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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 | $198,564 | $76,834+158.4% | $108,359+83.2% | $87,485+127.0% |
| Participation rate | 76.0% | 61.7%+14.3pp | 70.1%+5.9pp | 68.9%+7.1pp |
| Annual return | 16.40% | 19.09%-2.7pp | 36.89%-20.5pp | 26.06%-9.7pp |
| Employer contribution / active EE | $1,776 | $1,556+14.1% | $2,399-26.0% | $2,596-31.6% |
| Participant deferral / active EE | $6,998 | $3,100+125.7% | $4,137+69.2% | $4,274+63.8% |
| Admin fee / account holder | $6,075 | $6,537-7.1% | $9,741-37.6% | $7,775-21.9% |