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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 | $124,980+51.8% | $108,359+75.1% | $154,746+22.6% |
| Participation rate | 71.4% | 75.2%-3.7pp | 70.1%+1.3pp | 80.7%-9.3pp |
| Annual return | 18.86% | 45.00%-26.1pp | 36.89%-18.0pp | 172.34%-153.5pp |
| Employer contribution / active EE | $3,086 | $2,851+8.3% | $2,399+28.6% | $4,379-29.5% |
| Participant deferral / active EE | $14,744 | $4,743+210.9% | $4,137+256.4% | $6,730+119.1% |
| Admin fee / account holder | $603 | $11,502-94.8% | $9,741-93.8% | $14,365-95.8% |