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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 | $151,986 | $138,386+9.8% | $184,260-17.5% | $80,935+87.8% |
| Participation rate | 81.8% | 83.9%-2.1pp | 86.8%-5.0pp | 67.7%+14.2pp |
| Annual return | 13.77% | 20.02%-6.2pp | 28.84%-15.1pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,574 | $4,851-26.3% | $6,427-44.4% | $2,757+29.6% |
| Participant deferral / active EE | $11,434 | $7,076+61.6% | $9,133+25.2% | $4,299+165.9% |
| Admin fee / account holder | $11,386 | $10,489+8.6% | $13,898-18.1% | $6,924+64.4% |