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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 | $197,927 | $228,352-13.3% | $185,835+6.5% | $158,966+24.5% |
| Participation rate | 83.3% | 82.3%+1.0pp | 78.0%+5.3pp | 82.0%+1.4pp |
| Annual return | 13.67% | 40.81%-27.1pp | 35.96%-22.3pp | 302.95%-289.3pp |
| Employer contribution / active EE | $3,851 | $4,967-22.5% | $4,087-5.8% | $4,762-19.1% |
| Participant deferral / active EE | $7,935 | $6,416+23.7% | $5,633+40.9% | $5,983+32.6% |
| Admin fee / account holder | $1,983 | $11,867-83.3% | $9,502-79.1% | $11,250-82.4% |