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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 | $168,761 | $201,370-16.2% | $184,256-8.4% | $145,897+15.7% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 11.25% | 29.05%-17.8pp | 28.85%-17.6pp | 552.29%-541.0pp |
| Employer contribution / active EE | $3,460 | $7,024-50.7% | $6,427-46.2% | $4,663-25.8% |
| Participant deferral / active EE | $11,924 | $9,808+21.6% | $9,133+30.6% | $6,689+78.2% |
| Admin fee / account holder | $5,217 | $16,364-68.1% | $13,899-62.5% | $13,390-61.0% |