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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 | $171,025 | $199,109-14.1% | $173,730-1.6% | $154,746+10.5% |
| Participation rate | 85.0% | 82.8%+2.2pp | 79.6%+5.4pp | 80.7%+4.3pp |
| Annual return | 16.30% | 20.02%-3.7pp | 19.96%-3.7pp | 172.34%-156.0pp |
| Employer contribution / active EE | $3,060 | $5,311-42.4% | $4,577-33.2% | $4,379-30.1% |
| Participant deferral / active EE | $7,783 | $7,113+9.4% | $6,326+23.0% | $6,730+15.6% |
| Admin fee / account holder | $3,649 | $20,916-82.6% | $17,523-79.2% | $14,365-74.6% |