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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 | $126,661+44.7% | $113,397+61.7% | $138,895+32.0% |
| Participation rate | 71.4% | 79.4%-8.0pp | 76.5%-5.1pp | 79.9%-8.5pp |
| Annual return | 12.49% | 25.05%-12.6pp | 23.20%-10.7pp | 145.39%-132.9pp |
| Employer contribution / active EE | $3,607 | $3,456+4.4% | $2,977+21.2% | $4,194-14.0% |
| Participant deferral / active EE | $5,619 | $5,693-1.3% | $5,076+10.7% | $6,396-12.1% |
| Admin fee / account holder | $27,493 | $14,549+89.0% | $11,957+129.9% | $12,562+118.9% |