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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 | $167,066 | $106,588+56.7% | $94,215+77.3% | $155,188+7.7% |
| Participation rate | 71.4% | 74.3%-2.9pp | 70.0%+1.5pp | 80.8%-9.4pp |
| Annual return | 15.52% | 29.39%-13.9pp | 28.22%-12.7pp | 148.84%-133.3pp |
| Employer contribution / active EE | $11,772 | $3,080+282.3% | $2,675+340.1% | $4,248+177.1% |
| Participant deferral / active EE | $9,531 | $4,802+98.5% | $4,276+122.9% | $6,531+45.9% |
| Admin fee / account holder | $2,091 | $12,281-83.0% | $10,216-79.5% | $14,480-85.6% |