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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 | $193,596 | $113,338+70.8% | $94,993+103.8% | $147,586+31.2% |
| Participation rate | 73.7% | 78.0%-4.3pp | 73.9%-0.2pp | 82.8%-9.1pp |
| Annual return | 24.62% | 20.80%+3.8pp | 27.14%-2.5pp | 578.59%-554.0pp |
| Employer contribution / active EE | $2,134 | $3,160-32.5% | $2,603-18.0% | $4,876-56.2% |
| Participant deferral / active EE | $5,612 | $3,777+48.6% | $3,317+69.2% | $5,439+3.2% |
| Admin fee / account holder | $768 | $6,063-87.3% | $4,960-84.5% | $10,886-92.9% |