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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 | $73,787+169.1% | $98,716+101.1% | $82,448+140.8% |
| Participation rate | 76.0% | 61.4%+14.6pp | 69.3%+6.7pp | 68.1%+7.9pp |
| Annual return | 16.40% | 18.57%-2.2pp | 31.81%-15.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,776 | $1,511+17.5% | $2,279-22.0% | $2,551-30.4% |
| Participant deferral / active EE | $6,998 | $3,081+127.1% | $4,048+72.9% | $4,139+69.1% |
| Admin fee / account holder | $6,075 | $6,500-6.5% | $8,703-30.2% | $7,234-16.0% |