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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 | $137,971 | $97,289+41.8% | $92,805+48.7% | $155,188-11.1% |
| Participation rate | 75.0% | 84.2%-9.2pp | 83.5%-8.5pp | 80.8%-5.8pp |
| Annual return | 14.78% | 29.03%-14.3pp | 31.59%-16.8pp | 148.84%-134.1pp |
| Employer contribution / active EE | $4,092 | $3,632+12.7% | $3,424+19.5% | $4,248-3.7% |
| Participant deferral / active EE | $16,449 | $8,795+87.0% | $8,448+94.7% | $6,531+151.9% |
| Admin fee / account holder | $427 | $12,015-96.4% | $10,911-96.1% | $14,480-97.0% |