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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 | $213,138 | $123,793+72.2% | $177,848+19.8% | $79,856+166.9% |
| Participation rate | 73.5% | 84.7%-11.2pp | 87.7%-14.2pp | 69.6%+3.8pp |
| Annual return | 16.62% | 22.82%-6.2pp | 48.33%-31.7pp | 31.71%-15.1pp |
| Employer contribution / active EE | $3,373 | $4,095-17.6% | $5,919-43.0% | $2,471+36.5% |
| Participant deferral / active EE | $14,419 | $5,956+142.1% | $7,714+86.9% | $3,741+285.5% |
| Admin fee / account holder | $9,249 | $7,243+27.7% | $12,431-25.6% | $5,306+74.3% |