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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 | $169,608 | $103,393+64.0% | $87,103+94.7% | $152,909+10.9% |
| Participation rate | 77.8% | 79.4%-1.6pp | 76.9%+0.9pp | 82.5%-4.7pp |
| Annual return | 17.12% | 28.10%-11.0pp | 28.19%-11.1pp | 345.46%-328.3pp |
| Employer contribution / active EE | $3,414 | $3,221+6.0% | $2,521+35.4% | $4,764-28.3% |
| Participant deferral / active EE | $5,252 | $4,778+9.9% | $4,049+29.7% | $5,851-10.2% |
| Admin fee / account holder | $1,294 | $12,195-89.4% | $7,491-82.7% | $11,601-88.8% |