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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 | $149,691 | $174,379-14.2% | $152,093-1.6% | $138,895+7.8% |
| Participation rate | 90.5% | 81.6%+8.8pp | 77.8%+12.7pp | 79.9%+10.6pp |
| Annual return | 19.21% | 74.86%-55.6pp | 66.36%-47.1pp | 145.39%-126.2pp |
| Employer contribution / active EE | $3,064 | $4,652-34.1% | $4,175-26.6% | $4,194-26.9% |
| Participant deferral / active EE | $4,885 | $6,159-20.7% | $5,451-10.4% | $6,396-23.6% |
| Admin fee / account holder | $1,457 | $16,880-91.4% | $14,497-89.9% | $12,562-88.4% |