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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 | $177,757 | $172,111+3.3% | $150,298+18.3% | $137,256+29.5% |
| Participation rate | 71.4% | 81.7%-10.3pp | 77.8%-6.3pp | 80.0%-8.5pp |
| Annual return | 18.74% | 69.37%-50.6pp | 62.79%-44.0pp | 220.34%-201.6pp |
| Employer contribution / active EE | $1,619 | $4,636-65.1% | $4,154-61.0% | $4,156-61.0% |
| Participant deferral / active EE | $4,990 | $6,166-19.1% | $5,453-8.5% | $6,407-22.1% |
| Admin fee / account holder | $5,062 | $16,471-69.3% | $14,116-64.1% | $12,270-58.7% |