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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 | $191,307 | $107,666+77.7% | $102,184+87.2% | $154,746+23.6% |
| Participation rate | 77.3% | 83.7%-6.4pp | 82.6%-5.3pp | 80.7%-3.4pp |
| Annual return | 13.89% | 29.33%-15.4pp | 31.58%-17.7pp | 172.34%-158.4pp |
| Employer contribution / active EE | $409 | $3,846-89.4% | $3,594-88.6% | $4,379-90.7% |
| Participant deferral / active EE | $5,717 | $8,719-34.4% | $8,309-31.2% | $6,730-15.1% |
| Admin fee / account holder | $25,813 | $12,943+99.4% | $11,609+122.4% | $14,365+79.7% |