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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 | $149,944 | $177,156-15.4% | $147,027+2.0% | $154,746-3.1% |
| Participation rate | 70.0% | 79.4%-9.4pp | 73.7%-3.7pp | 80.7%-10.7pp |
| Annual return | 16.67% | 21.94%-5.3pp | 20.23%-3.6pp | 172.34%-155.7pp |
| Employer contribution / active EE | $3,328 | $4,336-23.3% | $3,626-8.2% | $4,379-24.0% |
| Participant deferral / active EE | $10,134 | $5,797+74.8% | $4,933+105.4% | $6,730+50.6% |
| Admin fee / account holder | $12,630 | $14,904-15.3% | $12,223+3.3% | $14,365-12.1% |