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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 | $186,445 | $107,733+73.1% | $92,985+100.5% | $154,746+20.5% |
| Participation rate | 75.0% | 74.6%+0.4pp | 69.5%+5.5pp | 80.7%-5.7pp |
| Annual return | 12.22% | 30.39%-18.2pp | 27.99%-15.8pp | 172.34%-160.1pp |
| Employer contribution / active EE | $8,586 | $3,126+174.6% | $2,662+222.5% | $4,379+96.1% |
| Participant deferral / active EE | $3,057 | $5,053-39.5% | $4,377-30.2% | $6,730-54.6% |
| Admin fee / account holder | $6,836 | $11,369-39.9% | $9,463-27.8% | $14,365-52.4% |