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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 | $169,431 | $181,896-6.9% | $156,551+8.2% | $273,972-38.2% |
| Participation rate | 88.9% | 88.4%+0.5pp | 84.0%+4.9pp | 83.0%+5.9pp |
| Annual return | 3.72% | 30.74%-27.0pp | 32.23%-28.5pp | 41.46%-37.7pp |
| Employer contribution / active EE | $8,756 | $6,248+40.1% | $5,501+59.2% | $4,869+79.8% |
| Participant deferral / active EE | $5,732 | $5,550+3.3% | $4,871+17.7% | $5,287+8.4% |
| Admin fee / account holder | $8,031 | $15,560-48.4% | $13,028-38.4% | $10,133-20.7% |