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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 | $171,437 | $162,821+5.3% | $133,978+28.0% | $158,982+7.8% |
| Participation rate | 77.8% | 83.2%-5.5pp | 79.8%-2.1pp | 82.0%-4.2pp |
| Annual return | 12.92% | 41.95%-29.0pp | 45.10%-32.2pp | 302.99%-290.1pp |
| Employer contribution / active EE | $5,278 | $4,976+6.1% | $3,919+34.7% | $4,763+10.8% |
| Participant deferral / active EE | $2,756 | $5,910-53.4% | $5,047-45.4% | $5,983-53.9% |
| Admin fee / account holder | $4,520 | $11,742-61.5% | $8,930-49.4% | $11,252-59.8% |