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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 | $177,765 | $136,860+29.9% | $120,344+47.7% | $154,746+14.9% |
| Participation rate | 87.5% | 79.9%+7.6pp | 76.7%+10.8pp | 80.7%+6.8pp |
| Annual return | 15.77% | 21.38%-5.6pp | 20.30%-4.5pp | 172.34%-156.6pp |
| Employer contribution / active EE | $2,825 | $3,533-20.0% | $3,020-6.5% | $4,379-35.5% |
| Participant deferral / active EE | $6,027 | $5,793+4.0% | $5,135+17.4% | $6,730-10.5% |
| Admin fee / account holder | $2,084 | $15,393-86.5% | $12,742-83.6% | $14,365-85.5% |