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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 | $152,204 | $167,415-9.1% | $140,514+8.3% | $198,609-23.4% |
| Participation rate | 80.0% | 80.9%-0.9pp | 77.8%+2.2pp | 82.4%-2.4pp |
| Annual return | 18.83% | 13.85%+5.0pp | 14.36%+4.5pp | 202.70%-183.9pp |
| Employer contribution / active EE | $3,290 | $4,088-19.5% | $3,378-2.6% | $5,055-34.9% |
| Participant deferral / active EE | $13,160 | $5,579+135.9% | $4,919+167.6% | $6,977+88.6% |
| Admin fee / account holder | $3,758 | $16,730-77.5% | $13,697-72.6% | $19,030-80.3% |