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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 | $139,303 | $184,014-24.3% | $161,149-13.6% | $138,895+0.3% |
| Participation rate | 84.6% | 82.1%+2.5pp | 78.8%+5.8pp | 79.9%+4.7pp |
| Annual return | 15.52% | 21.52%-6.0pp | 21.16%-5.6pp | 145.39%-129.9pp |
| Employer contribution / active EE | $4,727 | $5,055-6.5% | $4,360+8.4% | $4,194+12.7% |
| Participant deferral / active EE | $11,357 | $6,909+64.4% | $6,153+84.6% | $6,396+77.6% |
| Admin fee / account holder | $3,196 | $18,027-82.3% | $15,194-79.0% | $12,562-74.6% |