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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 | $178,520 | $138,385+29.0% | $184,243-3.1% | $80,925+120.6% |
| Participation rate | 84.6% | 83.9%+0.7pp | 86.8%-2.2pp | 67.7%+17.0pp |
| Annual return | 15.10% | 20.02%-4.9pp | 28.82%-13.7pp | 35.65%-20.5pp |
| Employer contribution / active EE | $4,743 | $4,851-2.2% | $6,427-26.2% | $2,756+72.1% |
| Participant deferral / active EE | $10,375 | $7,075+46.6% | $9,132+13.6% | $4,299+141.4% |
| Admin fee / account holder | $611 | $10,489-94.2% | $13,914-95.6% | $6,940-91.2% |