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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 | $243,141 | $251,004-3.1% | $191,597+26.9% | $138,895+75.1% |
| Participation rate | 81.8% | 82.4%-0.5pp | 76.9%+4.9pp | 79.9%+1.9pp |
| Annual return | 16.15% | 31.05%-14.9pp | 27.07%-10.9pp | 145.39%-129.2pp |
| Employer contribution / active EE | $3,227 | $6,226-48.2% | $5,025-35.8% | $4,194-23.1% |
| Participant deferral / active EE | $3,875 | $8,154-52.5% | $6,850-43.4% | $6,396-39.4% |
| Admin fee / account holder | $5,461 | $31,471-82.6% | $22,799-76.0% | $12,562-56.5% |