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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 | $191,421 | $139,948+36.8% | $121,663+57.3% | $154,746+23.7% |
| Participation rate | 75.0% | 78.0%-3.0pp | 74.5%+0.5pp | 80.7%-5.7pp |
| Annual return | 15.49% | 230.52%-215.0pp | 147.54%-132.1pp | 172.34%-156.9pp |
| Employer contribution / active EE | $4,685 | $3,521+33.1% | $3,020+55.1% | $4,379+7.0% |
| Participant deferral / active EE | $2,007 | $5,629-64.3% | $4,887-58.9% | $6,730-70.2% |
| Admin fee / account holder | $9,439 | $17,321-45.5% | $14,289-33.9% | $14,365-34.3% |