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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 | $151,637 | $107,666+40.8% | $102,184+48.4% | $154,746-2.0% |
| Participation rate | 73.7% | 83.7%-10.0pp | 82.6%-8.9pp | 80.7%-7.0pp |
| Annual return | 15.12% | 29.33%-14.2pp | 31.58%-16.5pp | 172.34%-157.2pp |
| Employer contribution / active EE | $2,694 | $3,846-30.0% | $3,594-25.0% | $4,379-38.5% |
| Participant deferral / active EE | $11,073 | $8,719+27.0% | $8,309+33.3% | $6,730+64.5% |
| Admin fee / account holder | $12,949 | $12,9430% | $11,609+11.5% | $14,365-9.9% |