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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 | $183,788 | $88,707+107.2% | $74,184+147.7% | $273,972-32.9% |
| Participation rate | 94.7% | 79.4%+15.3pp | 76.6%+18.1pp | 83.0%+11.7pp |
| Annual return | 7.93% | 11.94%-4.0pp | 17.74%-9.8pp | 41.46%-33.5pp |
| Employer contribution / active EE | $9,708 | $3,159+207.3% | $2,370+309.6% | $4,869+99.4% |
| Participant deferral / active EE | $7,809 | $4,212+85.4% | $3,550+120.0% | $5,287+47.7% |
| Admin fee / account holder | $3,699 | $8,717-57.6% | $5,586-33.8% | $10,133-63.5% |