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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 | $223,931 | $211,946+5.7% | $169,452+32.2% | $135,380+65.4% |
| Participation rate | 70.0% | 82.6%-12.6pp | 77.8%-7.8pp | 82.6%-12.6pp |
| Annual return | 17.48% | 3.26%+14.2pp | 1.83%+15.6pp | 519.81%-502.3pp |
| Employer contribution / active EE | $2,699 | $5,117-47.3% | $4,157-35.1% | $4,779-43.5% |
| Participant deferral / active EE | $9,310 | $6,075+53.2% | $5,277+76.4% | $5,609+66.0% |
| Admin fee / account holder | $10,282 | $11,472-10.4% | $9,110+12.9% | $10,828-5.0% |