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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 | $177,423 | $86,050+106.2% | $189,758-6.5% | $94,015+88.7% |
| Participation rate | 92.3% | 68.9%+23.4pp | 79.8%+12.5pp | 70.8%+21.5pp |
| Annual return | 14.65% | 17.77%-3.1pp | 52.62%-38.0pp | 17.84%-3.2pp |
| Employer contribution / active EE | $3,345 | $2,819+18.6% | $4,767-29.8% | $2,790+19.9% |
| Participant deferral / active EE | $5,161 | $3,349+54.1% | $5,856-11.9% | $4,249+21.4% |
| Admin fee / account holder | $7,130 | $6,627+7.6% | $20,388-65.0% | $8,951-20.3% |