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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 | $204,304 | $228,352-10.5% | $185,827+9.9% | $158,950+28.5% |
| Participation rate | 75.0% | 82.3%-7.3pp | 78.0%-3.0pp | 82.0%-7.0pp |
| Annual return | 23.05% | 40.81%-17.8pp | 35.96%-12.9pp | 302.91%-279.9pp |
| Employer contribution / active EE | $3,127 | $4,967-37.0% | $4,087-23.5% | $4,762-34.3% |
| Participant deferral / active EE | $7,953 | $6,416+23.9% | $5,633+41.2% | $5,983+32.9% |
| Admin fee / account holder | $5,882 | $11,867-50.4% | $9,502-38.1% | $11,248-47.7% |