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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 | $199,316 | $124,425+60.2% | $112,040+77.9% | $137,256+45.2% |
| Participation rate | 86.7% | 79.3%+7.4pp | 76.5%+10.2pp | 80.0%+6.7pp |
| Annual return | 17.12% | 24.72%-7.6pp | 24.52%-7.4pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,863 | $3,411+13.2% | $2,954+30.8% | $4,156-7.0% |
| Participant deferral / active EE | $9,502 | $5,718+66.2% | $5,098+86.4% | $6,407+48.3% |
| Admin fee / account holder | $3,969 | $15,207-73.9% | $12,098-67.2% | $12,270-67.7% |