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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 | $172,125 | $126,661+35.9% | $113,397+51.8% | $138,895+23.9% |
| Participation rate | 81.3% | 79.4%+1.8pp | 76.5%+4.8pp | 79.9%+1.3pp |
| Annual return | 13.43% | 25.05%-11.6pp | 23.20%-9.8pp | 145.39%-132.0pp |
| Employer contribution / active EE | $3,919 | $3,456+13.4% | $2,977+31.6% | $4,194-6.6% |
| Participant deferral / active EE | $9,601 | $5,693+68.6% | $5,076+89.1% | $6,396+50.1% |
| Admin fee / account holder | $3,682 | $14,549-74.7% | $11,957-69.2% | $12,562-70.7% |