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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 | $177,055 | $201,264-12.0% | $184,185-3.9% | $145,978+21.3% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 17.89% | 29.00%-11.1pp | 28.81%-10.9pp | 550.52%-532.6pp |
| Employer contribution / active EE | $4,018 | $7,021-42.8% | $6,426-37.5% | $4,662-13.8% |
| Participant deferral / active EE | $7,683 | $9,806-21.6% | $9,132-15.9% | $6,690+14.9% |
| Admin fee / account holder | $946 | $16,376-94.2% | $13,909-93.2% | $13,400-92.9% |