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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 | $144,454 | $177,156-18.5% | $147,027-1.8% | $154,746-6.7% |
| Participation rate | 84.6% | 79.4%+5.3pp | 73.7%+10.9pp | 80.7%+3.9pp |
| Annual return | 17.58% | 21.94%-4.4pp | 20.23%-2.7pp | 172.34%-154.8pp |
| Employer contribution / active EE | $3,167 | $4,336-27.0% | $3,626-12.7% | $4,379-27.7% |
| Participant deferral / active EE | $6,502 | $5,797+12.2% | $4,933+31.8% | $6,730-3.4% |
| Admin fee / account holder | $2,933 | $14,904-80.3% | $12,223-76.0% | $14,365-79.6% |