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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 | $106,588+74.9% | $94,215+97.9% | $155,188+20.1% |
| Participation rate | 75.0% | 74.3%+0.7pp | 70.0%+5.0pp | 80.8%-5.8pp |
| Annual return | 12.22% | 29.39%-17.2pp | 28.22%-16.0pp | 148.84%-136.6pp |
| Employer contribution / active EE | $8,586 | $3,080+178.8% | $2,675+220.9% | $4,248+102.1% |
| Participant deferral / active EE | $3,057 | $4,802-36.3% | $4,276-28.5% | $6,531-53.2% |
| Admin fee / account holder | $6,836 | $12,281-44.3% | $10,216-33.1% | $14,480-52.8% |