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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 | $160,914 | $181,896-11.5% | $156,551+2.8% | $273,972-41.3% |
| Participation rate | 95.0% | 88.4%+6.6pp | 84.0%+11.0pp | 83.0%+12.0pp |
| Annual return | 6.37% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $4,712 | $6,248-24.6% | $5,501-14.4% | $4,869-3.2% |
| Participant deferral / active EE | $4,608 | $5,550-17.0% | $4,871-5.4% | $5,287-12.8% |
| Admin fee / account holder | $1,510 | $15,560-90.3% | $13,028-88.4% | $10,133-85.1% |