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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 | $152,618 | $97,289+56.9% | $92,805+64.4% | $155,188-1.7% |
| Participation rate | 83.3% | 84.2%-0.8pp | 83.5%-0.2pp | 80.8%+2.5pp |
| Annual return | 18.15% | 29.03%-10.9pp | 31.59%-13.4pp | 148.84%-130.7pp |
| Employer contribution / active EE | $4,840 | $3,632+33.3% | $3,424+41.4% | $4,248+13.9% |
| Participant deferral / active EE | $8,025 | $8,795-8.8% | $8,448-5.0% | $6,531+22.9% |
| Admin fee / account holder | $1,640 | $12,015-86.3% | $10,911-85.0% | $14,480-88.7% |