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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 | $132,815 | $182,442-27.2% | $163,379-18.7% | $138,895-4.4% |
| Participation rate | 71.4% | 79.8%-8.4pp | 76.8%-5.4pp | 79.9%-8.5pp |
| Annual return | 16.74% | 72.74%-56.0pp | 63.41%-46.7pp | 145.39%-128.7pp |
| Employer contribution / active EE | $3,646 | $4,159-12.3% | $3,752-2.8% | $4,194-13.1% |
| Participant deferral / active EE | $9,509 | $6,817+39.5% | $6,282+51.4% | $6,396+48.7% |
| Admin fee / account holder | $4,123 | $10,396-60.3% | $9,818-58.0% | $12,562-67.2% |