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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 | $169,697 | $209,336-18.9% | $197,124-13.9% | $137,256+23.6% |
| Participation rate | 73.3% | 87.3%-14.0pp | 86.7%-13.4pp | 80.0%-6.6pp |
| Annual return | 15.56% | 48.09%-32.5pp | 44.34%-28.8pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,116 | $6,591-52.7% | $6,227-50.0% | $4,156-25.0% |
| Participant deferral / active EE | $5,405 | $9,614-43.8% | $9,135-40.8% | $6,407-15.6% |
| Admin fee / account holder | $2,286 | $17,308-86.8% | $16,298-86.0% | $12,270-81.4% |