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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 | $155,888 | $162,785-4.2% | $133,959+16.4% | $158,950-1.9% |
| Participation rate | 81.8% | 83.2%-1.4pp | 79.8%+2.0pp | 82.0%-0.1pp |
| Annual return | 12.96% | 41.94%-29.0pp | 45.09%-32.1pp | 302.91%-290.0pp |
| Employer contribution / active EE | $1,943 | $4,975-60.9% | $3,919-50.4% | $4,762-59.2% |
| Participant deferral / active EE | $4,971 | $5,910-15.9% | $5,047-1.5% | $5,983-16.9% |
| Admin fee / account holder | $7,431 | $11,738-36.7% | $8,928-16.8% | $11,248-33.9% |