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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 | $173,626 | $181,896-4.5% | $156,551+10.9% | $273,972-36.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.54% | 30.74%-23.2pp | 32.23%-24.7pp | 41.46%-33.9pp |
| Employer contribution / active EE | $5,580 | $6,248-10.7% | $5,501+1.4% | $4,869+14.6% |
| Participant deferral / active EE | $2,882 | $5,550-48.1% | $4,871-40.8% | $5,287-45.5% |
| Admin fee / account holder | $1,321 | $15,560-91.5% | $13,028-89.9% | $10,133-87.0% |