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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 | $144,977 | $153,769-5.7% | $133,975+8.2% | $273,972-47.1% |
| Participation rate | 82.4% | 88.4%-6.0pp | 87.1%-4.7pp | 83.0%-0.7pp |
| Annual return | 17.72% | 36.51%-18.8pp | 29.29%-11.6pp | 41.46%-23.7pp |
| Employer contribution / active EE | $6,862 | $6,029+13.8% | $5,211+31.7% | $4,869+40.9% |
| Participant deferral / active EE | $4,580 | $6,958-34.2% | $6,282-27.1% | $5,287-13.4% |
| Admin fee / account holder | $1,557 | $11,765-86.8% | $9,324-83.3% | $10,133-84.6% |