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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 | $196,242 | $211,288-7.1% | $178,540+9.9% | $145,884+34.5% |
| Participation rate | 83.3% | 80.8%+2.5pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 13.21% | 30.27%-17.1pp | 27.15%-13.9pp | 551.85%-538.6pp |
| Employer contribution / active EE | $4,120 | $4,574-9.9% | $3,953+4.2% | $4,662-11.6% |
| Participant deferral / active EE | $4,542 | $6,967-34.8% | $6,281-27.7% | $6,690-32.1% |
| Admin fee / account holder | $1,133 | $12,105-90.6% | $10,424-89.1% | $13,392-91.5% |