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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 | $192,101 | $99,345+93.4% | $84,753+126.7% | $273,972-29.9% |
| Participation rate | 75.0% | 80.7%-5.7pp | 76.6%-1.6pp | 83.0%-8.0pp |
| Annual return | 2.48% | 22.93%-20.5pp | 22.78%-20.3pp | 41.46%-39.0pp |
| Employer contribution / active EE | $3,200 | $4,214-24.1% | $3,574-10.5% | $4,869-34.3% |
| Participant deferral / active EE | $12,225 | $4,270+186.3% | $3,712+229.3% | $5,287+131.2% |
| Admin fee / account holder | $99,382 | $6,645+1395.5% | $5,333+1763.5% | $10,133+880.8% |