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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $183,053 | $181,896+0.6% | $156,551+16.9% | $273,972-33.2% |
| Participation rate | 85.7% | 88.4%-2.7pp | 84.0%+1.7pp | 83.0%+2.7pp |
| Annual return | 9.27% | 30.74%-21.5pp | 32.23%-23.0pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,711 | $6,248-72.6% | $5,501-68.9% | $4,869-64.9% |
| Participant deferral / active EE | $6,466 | $5,550+16.5% | $4,871+32.7% | $5,287+22.3% |
| Admin fee / account holder | $7,412 | $15,560-52.4% | $13,028-43.1% | $10,133-26.8% |