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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 | $133,980 | $167,415-20.0% | $140,514-4.6% | $198,609-32.5% |
| Participation rate | 72.7% | 80.9%-8.2pp | 77.8%-5.1pp | 82.4%-9.7pp |
| Annual return | 18.21% | 13.85%+4.4pp | 14.36%+3.9pp | 202.70%-184.5pp |
| Employer contribution / active EE | $5,862 | $4,088+43.4% | $3,378+73.5% | $5,055+16.0% |
| Participant deferral / active EE | $7,513 | $5,579+34.7% | $4,919+52.8% | $6,977+7.7% |
| Admin fee / account holder | $9,687 | $16,730-42.1% | $13,697-29.3% | $19,030-49.1% |