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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 | $173,048 | $80,983+113.7% | $96,544+79.2% | $75,177+130.2% |
| Participation rate | 79.4% | 71.8%+7.6pp | 76.0%+3.4pp | 67.2%+12.2pp |
| Annual return | 21.80% | 27.05%-5.2pp | 25.88%-4.1pp | 160.75%-138.9pp |
| Employer contribution / active EE | $2,729 | $2,282+19.6% | $2,966-8.0% | $2,671+2.2% |
| Participant deferral / active EE | $6,321 | $3,929+60.9% | $4,851+30.3% | $4,126+53.2% |
| Admin fee / account holder | $5,280 | $6,717-21.4% | $8,254-36.0% | $5,651-6.6% |