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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 | $154,234 | $112,729+36.8% | $98,716+56.2% | $137,256+12.4% |
| Participation rate | 72.7% | 74.2%-1.5pp | 69.3%+3.4pp | 80.0%-7.2pp |
| Annual return | 13.06% | 38.48%-25.4pp | 31.81%-18.8pp | 220.34%-207.3pp |
| Employer contribution / active EE | $1,187 | $2,725-56.5% | $2,279-47.9% | $4,156-71.4% |
| Participant deferral / active EE | $3,067 | $4,640-33.9% | $4,048-24.2% | $6,407-52.1% |
| Admin fee / account holder | $9,567 | $10,129-5.5% | $8,703+9.9% | $12,270-22.0% |