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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 | $176,561 | $86,891+103.2% | $142,516+23.9% | $75,173+134.9% |
| Participation rate | 96.2% | 68.5%+27.6pp | 76.8%+19.4pp | 67.2%+29.0pp |
| Annual return | 19.33% | 23.31%-4.0pp | 19.99%-0.7pp | 160.72%-141.4pp |
| Employer contribution / active EE | $3,461 | $3,355+3.1% | $4,849-28.6% | $2,671+29.6% |
| Participant deferral / active EE | $7,010 | $4,938+42.0% | $6,280+11.6% | $4,126+69.9% |
| Admin fee / account holder | $1,707 | $7,299-76.6% | $10,008-82.9% | $5,651-69.8% |