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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 | $185,385 | $65,712+182.1% | $57,196+224.1% | $273,972-32.3% |
| Participation rate | 80.0% | 78.3%+1.7pp | 75.3%+4.7pp | 83.0%-3.0pp |
| Annual return | 9.74% | 22.01%-12.3pp | 14.59%-4.9pp | 41.46%-31.7pp |
| Employer contribution / active EE | $7,000 | $3,280+113.4% | $2,683+160.9% | $4,869+43.8% |
| Participant deferral / active EE | $3,900 | $3,782+3.1% | $3,096+26.0% | $5,287-26.2% |
| Admin fee / account holder | $2,099 | $4,838-56.6% | $3,141-33.2% | $10,133-79.3% |