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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 | $151,147 | $172,111-12.2% | $150,298+0.6% | $137,256+10.1% |
| Participation rate | 76.2% | 81.7%-5.5pp | 77.8%-1.6pp | 80.0%-3.8pp |
| Annual return | 15.59% | 69.37%-53.8pp | 62.79%-47.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,992 | $4,636-57.0% | $4,154-52.0% | $4,156-52.1% |
| Participant deferral / active EE | $4,737 | $6,166-23.2% | $5,453-13.1% | $6,407-26.1% |
| Admin fee / account holder | $7,355 | $16,471-55.3% | $14,116-47.9% | $12,270-40.1% |