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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 | $126,661+57.4% | $113,397+75.8% | $138,895+43.5% |
| Participation rate | 86.7% | 79.4%+7.2pp | 76.5%+10.2pp | 79.9%+6.7pp |
| Annual return | 17.12% | 25.05%-7.9pp | 23.20%-6.1pp | 145.39%-128.3pp |
| Employer contribution / active EE | $3,863 | $3,456+11.8% | $2,977+29.8% | $4,194-7.9% |
| Participant deferral / active EE | $9,502 | $5,693+66.9% | $5,076+87.2% | $6,396+48.6% |
| Admin fee / account holder | $3,969 | $14,549-72.7% | $11,957-66.8% | $12,562-68.4% |