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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 | $173,549 | $126,661+37.0% | $113,397+53.0% | $138,895+24.9% |
| Participation rate | 86.7% | 79.4%+7.2pp | 76.5%+10.2pp | 79.9%+6.7pp |
| Annual return | 18.39% | 25.05%-6.7pp | 23.20%-4.8pp | 145.39%-127.0pp |
| Employer contribution / active EE | $1,614 | $3,456-53.3% | $2,977-45.8% | $4,194-61.5% |
| Participant deferral / active EE | $5,889 | $5,693+3.5% | $5,076+16.0% | $6,396-7.9% |
| Admin fee / account holder | $3,245 | $14,549-77.7% | $11,957-72.9% | $12,562-74.2% |