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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 | $161,925 | $199,109-18.7% | $173,730-6.8% | $154,746+4.6% |
| Participation rate | 76.2% | 82.8%-6.6pp | 79.6%-3.4pp | 80.7%-4.5pp |
| Annual return | 15.59% | 20.02%-4.4pp | 19.96%-4.4pp | 172.34%-156.7pp |
| Employer contribution / active EE | $4,022 | $5,311-24.3% | $4,577-12.1% | $4,379-8.2% |
| Participant deferral / active EE | $10,333 | $7,113+45.3% | $6,326+63.3% | $6,730+53.5% |
| Admin fee / account holder | $3,638 | $20,916-82.6% | $17,523-79.2% | $14,365-74.7% |