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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 | $145,384 | $177,595-18.1% | $148,496-2.1% | $198,609-26.8% |
| Participation rate | 78.6% | 79.3%-0.7pp | 76.0%+2.5pp | 82.4%-3.8pp |
| Annual return | 16.25% | 9.97%+6.3pp | 12.33%+3.9pp | 202.70%-186.5pp |
| Employer contribution / active EE | $5,357 | $4,098+30.7% | $3,497+53.2% | $5,055+6.0% |
| Participant deferral / active EE | $9,782 | $5,539+76.6% | $4,808+103.4% | $6,977+40.2% |
| Admin fee / account holder | $695 | $27,010-97.4% | $19,547-96.4% | $19,030-96.4% |