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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 | $126,661+34.7% | $113,397+50.4% | $138,895+22.8% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.5%-1.5pp | 79.9%-4.9pp |
| Annual return | 13.56% | 25.05%-11.5pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $2,746 | $3,456-20.6% | $2,977-7.8% | $4,194-34.5% |
| Participant deferral / active EE | $6,269 | $5,693+10.1% | $5,076+23.5% | $6,396-2.0% |
| Admin fee / account holder | $647 | $14,549-95.6% | $11,957-94.6% | $12,562-94.8% |