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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 | $239,571+1.5% | $183,328+32.6% | $137,256+77.1% |
| Participation rate | 81.8% | 82.4%-0.6pp | 77.3%+4.5pp | 80.0%+1.9pp |
| Annual return | 16.15% | 35.69%-19.5pp | 29.67%-13.5pp | 220.34%-204.2pp |
| Employer contribution / active EE | $3,227 | $6,148-47.5% | $5,055-36.2% | $4,156-22.3% |
| Participant deferral / active EE | $3,875 | $7,995-51.5% | $6,795-43.0% | $6,407-39.5% |
| Admin fee / account holder | $5,461 | $30,059-81.8% | $21,427-74.5% | $12,270-55.5% |