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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 | $173,107 | $176,794-2.1% | $146,647+18.0% | $167,553+3.3% |
| Participation rate | 81.3% | 83.6%-2.4pp | 80.1%+1.2pp | 82.1%-0.9pp |
| Annual return | 11.46% | 24.04%-12.6pp | 22.75%-11.3pp | 478.89%-467.4pp |
| Employer contribution / active EE | $4,646 | $5,161-10.0% | $4,137+12.3% | $4,840-4.0% |
| Participant deferral / active EE | $8,701 | $6,440+35.1% | $5,506+58.0% | $6,343+37.2% |
| Admin fee / account holder | $17,789 | $13,262+34.1% | $10,281+73.0% | $12,316+44.4% |