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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 | $159,435 | $176,794-9.8% | $146,647+8.7% | $167,553-4.8% |
| Participation rate | 88.9% | 83.6%+5.3pp | 80.1%+8.8pp | 82.1%+6.8pp |
| Annual return | 22.87% | 24.04%-1.2pp | 22.75%+0.1pp | 478.89%-456.0pp |
| Employer contribution / active EE | $2,471 | $5,161-52.1% | $4,137-40.3% | $4,840-49.0% |
| Participant deferral / active EE | $3,818 | $6,440-40.7% | $5,506-30.7% | $6,343-39.8% |
| Admin fee / account holder | $1,468 | $13,262-88.9% | $10,281-85.7% | $12,316-88.1% |