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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 | $174,379-13.3% | $152,093-0.6% | $138,895+8.8% |
| Participation rate | 76.2% | 81.6%-5.5pp | 77.8%-1.6pp | 79.9%-3.7pp |
| Annual return | 15.59% | 74.86%-59.3pp | 66.36%-50.8pp | 145.39%-129.8pp |
| Employer contribution / active EE | $1,992 | $4,652-57.2% | $4,175-52.3% | $4,194-52.5% |
| Participant deferral / active EE | $4,737 | $6,159-23.1% | $5,451-13.1% | $6,396-25.9% |
| Admin fee / account holder | $7,355 | $16,880-56.4% | $14,497-49.3% | $12,562-41.5% |