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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 | $170,526 | $228,395-25.3% | $185,861-8.3% | $158,982+7.3% |
| Participation rate | 77.8% | 82.3%-4.5pp | 78.0%-0.3pp | 82.0%-4.2pp |
| Annual return | 17.60% | 40.82%-23.2pp | 35.96%-18.4pp | 302.99%-285.4pp |
| Employer contribution / active EE | $3,122 | $4,968-37.2% | $4,088-23.6% | $4,763-34.5% |
| Participant deferral / active EE | $9,104 | $6,417+41.9% | $5,634+61.6% | $5,983+52.2% |
| Admin fee / account holder | $7,601 | $11,869-36.0% | $9,503-20.0% | $11,252-32.4% |