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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 | $182,148 | $107,666+69.2% | $102,184+78.3% | $154,746+17.7% |
| Participation rate | 77.8% | 83.7%-5.9pp | 82.6%-4.8pp | 80.7%-2.9pp |
| Annual return | 16.54% | 29.33%-12.8pp | 31.58%-15.0pp | 172.34%-155.8pp |
| Employer contribution / active EE | $2,032 | $3,846-47.2% | $3,594-43.4% | $4,379-53.6% |
| Participant deferral / active EE | $9,098 | $8,719+4.3% | $8,309+9.5% | $6,730+35.2% |
| Admin fee / account holder | $4,169 | $12,943-67.8% | $11,609-64.1% | $14,365-71.0% |