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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 | $197,668 | $181,896+8.7% | $156,551+26.3% | $273,972-27.9% |
| Participation rate | 75.0% | 88.4%-13.4pp | 84.0%-9.0pp | 83.0%-8.0pp |
| Annual return | 8.73% | 30.74%-22.0pp | 32.23%-23.5pp | 41.46%-32.7pp |
| Employer contribution / active EE | $9,340 | $6,248+49.5% | $5,501+69.8% | $4,869+91.8% |
| Participant deferral / active EE | $9,160 | $5,550+65.0% | $4,871+88.0% | $5,287+73.2% |
| Admin fee / account holder | $10,805 | $15,560-30.6% | $13,028-17.1% | $10,133+6.6% |