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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 | $172,420 | $153,769+12.1% | $133,975+28.7% | $273,972-37.1% |
| Participation rate | 90.0% | 88.4%+1.6pp | 87.1%+2.9pp | 83.0%+7.0pp |
| Annual return | 8.21% | 36.51%-28.3pp | 29.29%-21.1pp | 41.46%-33.2pp |
| Employer contribution / active EE | $3,971 | $6,029-34.1% | $5,211-23.8% | $4,869-18.4% |
| Participant deferral / active EE | $7,005 | $6,958+0.7% | $6,282+11.5% | $5,287+32.5% |
| Admin fee / account holder | $1,571 | $11,765-86.6% | $9,324-83.2% | $10,133-84.5% |