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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 | $126,661+20.2% | $113,397+34.2% | $138,895+9.6% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.5%+3.5pp | 79.9%+0.1pp |
| Annual return | 18.83% | 25.05%-6.2pp | 23.20%-4.4pp | 145.39%-126.6pp |
| Employer contribution / active EE | $3,290 | $3,456-4.8% | $2,977+10.5% | $4,194-21.6% |
| Participant deferral / active EE | $13,160 | $5,693+131.2% | $5,076+159.2% | $6,396+105.8% |
| Admin fee / account holder | $3,758 | $14,549-74.2% | $11,957-68.6% | $12,562-70.1% |