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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 | $246,967 | $213,785+15.5% | $185,441+33.2% | $155,188+59.1% |
| Participation rate | 72.7% | 83.2%-10.5pp | 80.3%-7.5pp | 80.8%-8.1pp |
| Annual return | 13.99% | 19.97%-6.0pp | 20.16%-6.2pp | 148.84%-134.8pp |
| Employer contribution / active EE | $3,464 | $5,393-35.8% | $4,672-25.9% | $4,248-18.5% |
| Participant deferral / active EE | $8,557 | $6,864+24.7% | $6,152+39.1% | $6,531+31.0% |
| Admin fee / account holder | $21,075 | $21,134-0.3% | $17,890+17.8% | $14,480+45.5% |