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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 | $109,837 | $115,225-4.7% | $100,712+9.1% | $138,895-20.9% |
| Participation rate | 71.4% | 74.3%-2.9pp | 69.3%+2.2pp | 79.9%-8.5pp |
| Annual return | 17.50% | 40.35%-22.8pp | 33.27%-15.8pp | 145.39%-127.9pp |
| Employer contribution / active EE | $1,476 | $2,771-46.7% | $2,313-36.2% | $4,194-64.8% |
| Participant deferral / active EE | $5,558 | $4,699+18.3% | $4,085+36.1% | $6,396-13.1% |
| Admin fee / account holder | $17,953 | $10,844+65.6% | $9,256+94.0% | $12,562+42.9% |