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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 | $161,352-7.1% | $134,172+11.8% | $137,256+9.2% |
| Participation rate | 70.0% | 78.3%-8.3pp | 72.5%-2.5pp | 80.0%-10.0pp |
| Annual return | 16.67% | 28.72%-12.0pp | 25.30%-8.6pp | 220.34%-203.7pp |
| Employer contribution / active EE | $3,328 | $4,099-18.8% | $3,420-2.7% | $4,156-19.9% |
| Participant deferral / active EE | $10,134 | $5,552+82.5% | $4,690+116.1% | $6,407+58.2% |
| Admin fee / account holder | $12,630 | $15,028-16.0% | $12,016+5.1% | $12,270+2.9% |