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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 | $152,422 | $126,661+20.3% | $113,397+34.4% | $138,895+9.7% |
| Participation rate | 84.6% | 79.4%+5.2pp | 76.5%+8.1pp | 79.9%+4.7pp |
| Annual return | 10.68% | 25.05%-14.4pp | 23.20%-12.5pp | 145.39%-134.7pp |
| Employer contribution / active EE | $3,202 | $3,456-7.4% | $2,977+7.6% | $4,194-23.7% |
| Participant deferral / active EE | $4,461 | $5,693-21.6% | $5,076-12.1% | $6,396-30.3% |
| Admin fee / account holder | $9,049 | $14,549-37.8% | $11,957-24.3% | $12,562-28.0% |