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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 | $83,898+136.7% | $133,346+48.9% | $94,015+111.2% |
| Participation rate | 76.0% | 63.4%+12.6pp | 72.8%+3.2pp | 70.8%+5.2pp |
| Annual return | 16.40% | 16.00%+0.4pp | 36.85%-20.5pp | 17.84%-1.4pp |
| Employer contribution / active EE | $1,776 | $1,821-2.4% | $2,853-37.7% | $2,790-36.3% |
| Participant deferral / active EE | $6,998 | $3,245+115.7% | $4,332+61.5% | $4,249+64.7% |
| Admin fee / account holder | $6,075 | $7,809-22.2% | $14,264-57.4% | $8,951-32.1% |