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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 | $192,351 | $141,004+36.4% | $112,273+71.3% | $139,466+37.9% |
| Participation rate | 73.7% | 79.2%-5.5pp | 72.4%+1.2pp | 80.3%-6.6pp |
| Annual return | 12.83% | 32.75%-19.9pp | 30.23%-17.4pp | 373.66%-360.8pp |
| Employer contribution / active EE | $4,324 | $4,285+0.9% | $3,431+26.0% | $4,754-9.0% |
| Participant deferral / active EE | $3,452 | $5,878-41.3% | $4,800-28.1% | $6,712-48.6% |
| Admin fee / account holder | $824 | $9,959-91.7% | $7,752-89.4% | $11,409-92.8% |