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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 | $151,550 | $184,014-17.6% | $161,149-6.0% | $138,895+9.1% |
| Participation rate | 82.4% | 82.1%+0.3pp | 78.8%+3.5pp | 79.9%+2.4pp |
| Annual return | 12.07% | 21.52%-9.5pp | 21.16%-9.1pp | 145.39%-133.3pp |
| Employer contribution / active EE | $1,717 | $5,055-66.0% | $4,360-60.6% | $4,194-59.1% |
| Participant deferral / active EE | $7,011 | $6,909+1.5% | $6,153+13.9% | $6,396+9.6% |
| Admin fee / account holder | $17,123 | $18,027-5.0% | $15,194+12.7% | $12,562+36.3% |