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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 | $162,967-8.0% | $135,792+10.4% | $138,895+8.0% |
| Participation rate | 70.0% | 78.3%-8.3pp | 72.6%-2.6pp | 79.9%-9.9pp |
| Annual return | 16.67% | 30.08%-13.4pp | 25.96%-9.3pp | 145.39%-128.7pp |
| Employer contribution / active EE | $3,328 | $4,211-21.0% | $3,496-4.8% | $4,194-20.7% |
| Participant deferral / active EE | $10,134 | $5,640+79.7% | $4,759+112.9% | $6,396+58.4% |
| Admin fee / account holder | $12,630 | $15,306-17.5% | $12,266+3.0% | $12,562+0.5% |