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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 | $196,692 | $211,105-6.8% | $178,449+10.2% | $145,978+34.7% |
| Participation rate | 70.0% | 80.8%-10.8pp | 77.1%-7.1pp | 80.3%-10.3pp |
| Annual return | 10.51% | 30.19%-19.7pp | 27.09%-16.6pp | 550.52%-540.0pp |
| Employer contribution / active EE | $3,341 | $4,569-26.9% | $3,951-15.4% | $4,662-28.3% |
| Participant deferral / active EE | $12,892 | $6,959+85.3% | $6,277+105.4% | $6,690+92.7% |
| Admin fee / account holder | $14,561 | $12,017+21.2% | $10,362+40.5% | $13,400+8.7% |