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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 | $211,239-19.4% | $178,528-4.6% | $145,877+16.7% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 12.67% | 30.22%-17.5pp | 27.11%-14.4pp | 551.28%-538.6pp |
| Employer contribution / active EE | $3,967 | $4,570-13.2% | $3,950+0.4% | $4,663-14.9% |
| Participant deferral / active EE | $17,865 | $6,963+156.6% | $6,278+184.6% | $6,691+167.0% |
| Admin fee / account holder | $2,994 | $12,095-75.2% | $10,419-71.3% | $13,402-77.7% |