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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 | $144,914 | $181,896-20.3% | $156,551-7.4% | $273,972-47.1% |
| Participation rate | 79.2% | 88.4%-9.2pp | 84.0%-4.8pp | 83.0%-3.8pp |
| Annual return | 8.97% | 30.74%-21.8pp | 32.23%-23.3pp | 41.46%-32.5pp |
| Employer contribution / active EE | $4,173 | $6,248-33.2% | $5,501-24.1% | $4,869-14.3% |
| Participant deferral / active EE | $6,084 | $5,550+9.6% | $4,871+24.9% | $5,287+15.1% |
| Admin fee / account holder | $5,918 | $15,560-62.0% | $13,028-54.6% | $10,133-41.6% |