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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 | $144,183 | $182,442-21.0% | $163,379-11.7% | $138,895+3.8% |
| Participation rate | 79.2% | 79.8%-0.6pp | 76.8%+2.3pp | 79.9%-0.8pp |
| Annual return | 14.64% | 72.74%-58.1pp | 63.41%-48.8pp | 145.39%-130.8pp |
| Employer contribution / active EE | $2,630 | $4,159-36.8% | $3,752-29.9% | $4,194-37.3% |
| Participant deferral / active EE | $12,716 | $6,817+86.5% | $6,282+102.4% | $6,396+98.8% |
| Admin fee / account holder | $928 | $10,396-91.1% | $9,818-90.6% | $12,562-92.6% |