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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 | $145,307 | $95,453+52.2% | $112,040+29.7% | $82,448+76.2% |
| Participation rate | 70.4% | 72.8%-2.4pp | 76.5%-6.1pp | 68.1%+2.3pp |
| Annual return | 17.25% | 23.92%-6.7pp | 24.52%-7.3pp | 41.64%-24.4pp |
| Employer contribution / active EE | $6,222 | $2,318+168.4% | $2,954+110.6% | $2,551+143.9% |
| Participant deferral / active EE | $3,173 | $4,224-24.9% | $5,098-37.8% | $4,139-23.4% |
| Admin fee / account holder | $567 | $9,013-93.7% | $12,098-95.3% | $7,234-92.2% |