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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 | $170,564 | $124,425+37.1% | $112,040+52.2% | $137,256+24.3% |
| Participation rate | 75.0% | 79.3%-4.3pp | 76.5%-1.5pp | 80.0%-5.0pp |
| Annual return | 13.56% | 24.72%-11.2pp | 24.52%-11.0pp | 220.34%-206.8pp |
| Employer contribution / active EE | $2,746 | $3,411-19.5% | $2,954-7.0% | $4,156-33.9% |
| Participant deferral / active EE | $6,269 | $5,718+9.6% | $5,098+23.0% | $6,407-2.1% |
| Admin fee / account holder | $647 | $15,207-95.7% | $12,098-94.6% | $12,270-94.7% |