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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 | $144,236 | $167,415-13.8% | $140,514+2.6% | $198,609-27.4% |
| Participation rate | 79.2% | 80.9%-1.7pp | 77.8%+1.4pp | 82.4%-3.2pp |
| Annual return | 16.30% | 13.85%+2.4pp | 14.36%+1.9pp | 202.70%-186.4pp |
| Employer contribution / active EE | $3,913 | $4,088-4.3% | $3,378+15.8% | $5,055-22.6% |
| Participant deferral / active EE | $8,849 | $5,579+58.6% | $4,919+79.9% | $6,977+26.8% |
| Admin fee / account holder | $1,247 | $16,730-92.5% | $13,697-90.9% | $19,030-93.4% |