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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 | $167,539 | $99,345+68.6% | $84,753+97.7% | $273,972-38.8% |
| Participation rate | 73.3% | 80.7%-7.4pp | 76.6%-3.3pp | 83.0%-9.7pp |
| Annual return | 6.56% | 22.93%-16.4pp | 22.78%-16.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $4,668 | $4,214+10.8% | $3,574+30.6% | $4,869-4.1% |
| Participant deferral / active EE | $2,414 | $4,270-43.5% | $3,712-35.0% | $5,287-54.3% |
| Admin fee / account holder | $9,033 | $6,645+35.9% | $5,333+69.4% | $10,133-10.8% |