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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 | $185,819 | $106,247+74.9% | $96,515+92.5% | $139,466+33.2% |
| Participation rate | 70.0% | 77.8%-7.8pp | 74.3%-4.3pp | 80.3%-10.3pp |
| Annual return | 20.54% | 38.47%-17.9pp | 35.73%-15.2pp | 373.66%-353.1pp |
| Employer contribution / active EE | $4,680 | $4,106+14.0% | $3,740+25.1% | $4,754-1.6% |
| Participant deferral / active EE | $4,813 | $5,456-11.8% | $4,880-1.4% | $6,712-28.3% |
| Admin fee / account holder | $4,049 | $7,885-48.6% | $6,735-39.9% | $11,409-64.5% |