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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 | $138,312+28.5% | $122,979+44.5% | $155,188+14.5% |
| Participation rate | 87.5% | 80.2%+7.3pp | 77.2%+10.3pp | 80.8%+6.7pp |
| Annual return | 15.77% | 22.06%-6.3pp | 20.12%-4.3pp | 148.84%-133.1pp |
| Employer contribution / active EE | $2,825 | $3,530-20.0% | $3,062-7.8% | $4,248-33.5% |
| Participant deferral / active EE | $6,027 | $5,592+7.8% | $5,003+20.5% | $6,531-7.7% |
| Admin fee / account holder | $2,084 | $15,089-86.2% | $12,864-83.8% | $14,480-85.6% |