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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 | $190,083 | $123,793+53.5% | $177,827+6.9% | $79,858+138.0% |
| Participation rate | 78.8% | 84.7%-5.9pp | 87.7%-8.9pp | 69.6%+9.2pp |
| Annual return | 21.35% | 22.82%-1.5pp | 48.32%-27.0pp | 31.72%-10.4pp |
| Employer contribution / active EE | $4,366 | $4,095+6.6% | $5,918-26.2% | $2,471+76.7% |
| Participant deferral / active EE | $10,354 | $5,956+73.8% | $7,713+34.2% | $3,740+176.8% |
| Admin fee / account holder | $652 | $7,243-91.0% | $12,429-94.8% | $5,306-87.7% |