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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 | $97,550+49.0% | $120,344+20.7% | $87,485+66.1% |
| Participation rate | 70.4% | 72.8%-2.5pp | 76.7%-6.3pp | 68.9%+1.4pp |
| Annual return | 17.25% | 18.41%-1.2pp | 20.30%-3.0pp | 26.06%-8.8pp |
| Employer contribution / active EE | $6,222 | $2,291+171.6% | $3,020+106.0% | $2,596+139.6% |
| Participant deferral / active EE | $3,173 | $4,230-25.0% | $5,135-38.2% | $4,274-25.8% |
| Admin fee / account holder | $567 | $9,543-94.1% | $12,742-95.6% | $7,775-92.7% |