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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 | $183,307 | $124,425+47.3% | $112,040+63.6% | $137,256+33.6% |
| Participation rate | 71.4% | 79.3%-7.9pp | 76.5%-5.1pp | 80.0%-8.5pp |
| Annual return | 12.49% | 24.72%-12.2pp | 24.52%-12.0pp | 220.34%-207.9pp |
| Employer contribution / active EE | $3,607 | $3,411+5.7% | $2,954+22.1% | $4,156-13.2% |
| Participant deferral / active EE | $5,619 | $5,718-1.7% | $5,098+10.2% | $6,407-12.3% |
| Admin fee / account holder | $27,493 | $15,207+80.8% | $12,098+127.3% | $12,270+124.1% |