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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 | $171,654 | $181,898-5.6% | $156,552+9.6% | $273,970-37.3% |
| Participation rate | 75.0% | 88.4%-13.4pp | 84.0%-9.0pp | 83.0%-8.0pp |
| Annual return | 3.77% | 30.74%-27.0pp | 32.23%-28.5pp | 41.46%-37.7pp |
| Employer contribution / active EE | $2,315 | $6,248-63.0% | $5,501-57.9% | $4,869-52.5% |
| Participant deferral / active EE | $4,894 | $5,550-11.8% | $4,871+0.5% | $5,287-7.4% |
| Admin fee / account holder | $1,151 | $15,560-92.6% | $13,028-91.2% | $10,132-88.6% |