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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 | $189,776 | $112,729+68.3% | $98,716+92.2% | $137,256+38.3% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.3%+2.1pp | 80.0%-8.5pp |
| Annual return | 18.86% | 38.48%-19.6pp | 31.81%-12.9pp | 220.34%-201.5pp |
| Employer contribution / active EE | $3,086 | $2,725+13.2% | $2,279+35.4% | $4,156-25.7% |
| Participant deferral / active EE | $14,744 | $4,640+217.7% | $4,048+264.3% | $6,407+130.1% |
| Admin fee / account holder | $603 | $10,129-94.0% | $8,703-93.1% | $12,270-95.1% |