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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 | $123,417 | $70,486+75.1% | $100,535+22.8% | $79,856+54.5% |
| Participation rate | 74.0% | 73.6%+0.4pp | 79.4%-5.4pp | 69.6%+4.4pp |
| Annual return | 16.18% | 21.90%-5.7pp | 30.90%-14.7pp | 31.71%-15.5pp |
| Employer contribution / active EE | $2,508 | $2,165+15.9% | $3,419-26.6% | $2,471+1.5% |
| Participant deferral / active EE | $4,573 | $5,182-11.7% | $6,271-27.1% | $3,741+22.3% |
| Admin fee / account holder | $1,767 | $4,480-60.6% | $8,085-78.1% | $5,306-66.7% |