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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 | $126,661+40.3% | $113,397+56.8% | $138,895+28.0% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.5%+11.0pp | 79.9%+7.6pp |
| Annual return | 15.77% | 25.05%-9.3pp | 23.20%-7.4pp | 145.39%-129.6pp |
| Employer contribution / active EE | $2,825 | $3,456-18.3% | $2,977-5.1% | $4,194-32.7% |
| Participant deferral / active EE | $6,027 | $5,693+5.9% | $5,076+18.7% | $6,396-5.8% |
| Admin fee / account holder | $2,084 | $14,549-85.7% | $11,957-82.6% | $12,562-83.4% |