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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 | $152,977 | $181,896-15.9% | $156,551-2.3% | $273,972-44.2% |
| Participation rate | 75.0% | 88.4%-13.4pp | 84.0%-9.0pp | 83.0%-8.0pp |
| Annual return | 16.05% | 30.74%-14.7pp | 32.23%-16.2pp | 41.46%-25.4pp |
| Employer contribution / active EE | $3,609 | $6,248-42.2% | $5,501-34.4% | $4,869-25.9% |
| Participant deferral / active EE | $10,792 | $5,550+94.4% | $4,871+121.5% | $5,287+104.1% |
| Admin fee / account holder | $865 | $15,560-94.4% | $13,028-93.4% | $10,133-91.5% |