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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 | $163,115 | $132,310+23.3% | $105,754+54.2% | $273,972-40.5% |
| Participation rate | 77.8% | 83.2%-5.4pp | 78.9%-1.1pp | 83.0%-5.2pp |
| Annual return | 9.72% | 10.08%-0.4pp | 12.25%-2.5pp | 41.46%-31.7pp |
| Employer contribution / active EE | $1,707 | $4,867-64.9% | $4,079-58.2% | $4,869-64.9% |
| Participant deferral / active EE | $9,434 | $6,233+51.4% | $5,326+77.2% | $5,287+78.4% |
| Admin fee / account holder | $10,754 | $12,036-10.7% | $8,309+29.4% | $10,133+6.1% |