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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 | $170,229 | $211,224-19.4% | $178,505-4.6% | $145,897+16.7% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 12.67% | 30.28%-17.6pp | 27.16%-14.5pp | 552.29%-539.6pp |
| Employer contribution / active EE | $3,967 | $4,577-13.3% | $3,955+0.3% | $4,663-14.9% |
| Participant deferral / active EE | $17,865 | $6,966+156.5% | $6,280+184.5% | $6,689+167.1% |
| Admin fee / account holder | $2,994 | $12,109-75.3% | $10,428-71.3% | $13,390-77.6% |