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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 | $123,155+54.1% | $108,753+74.5% | $155,188+22.3% |
| Participation rate | 71.4% | 75.6%-4.2pp | 71.1%+0.3pp | 80.8%-9.4pp |
| Annual return | 18.86% | 44.73%-25.9pp | 37.47%-18.6pp | 148.84%-130.0pp |
| Employer contribution / active EE | $3,086 | $2,811+9.8% | $2,427+27.2% | $4,248-27.3% |
| Participant deferral / active EE | $14,744 | $4,623+218.9% | $4,115+258.3% | $6,531+125.8% |
| Admin fee / account holder | $603 | $12,126-95.0% | $10,320-94.2% | $14,480-95.8% |