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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 | $165,920 | $117,895+40.7% | $102,460+61.9% | $145,897+13.7% |
| Participation rate | 76.9% | 78.6%-1.7pp | 76.5%+0.4pp | 80.3%-3.4pp |
| Annual return | 19.53% | 31.92%-12.4pp | 29.47%-9.9pp | 552.29%-532.8pp |
| Employer contribution / active EE | $3,336 | $3,619-7.8% | $3,025+10.3% | $4,663-28.4% |
| Participant deferral / active EE | $4,583 | $5,736-20.1% | $5,056-9.4% | $6,689-31.5% |
| Admin fee / account holder | $2,619 | $13,353-80.4% | $9,460-72.3% | $13,390-80.4% |