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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 | $166,079 | $62,589+165.3% | $76,768+116.3% | $64,173+158.8% |
| Participation rate | 78.6% | 72.8%+5.8pp | 77.0%+1.6pp | 69.6%+9.0pp |
| Annual return | 8.30% | -1.95%+10.2pp | 2.43%+5.9pp | 7.63%+0.7pp |
| Employer contribution / active EE | $3,234 | $1,832+76.5% | $2,485+30.1% | $2,381+35.8% |
| Participant deferral / active EE | $6,685 | $3,145+112.6% | $3,852+73.6% | $3,470+92.7% |
| Admin fee / account holder | $7,207 | $4,667+54.4% | $6,675+8.0% | $4,887+47.5% |