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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 | $195,263 | $101,798+91.8% | $165,071+18.3% | $80,935+141.3% |
| Participation rate | 77.4% | 71.8%+5.6pp | 78.6%-1.2pp | 67.7%+9.8pp |
| Annual return | 13.95% | 16.73%-2.8pp | 70.17%-56.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,687 | $2,954-9.0% | $4,347-38.2% | $2,757-2.5% |
| Participant deferral / active EE | $6,961 | $4,476+55.5% | $6,035+15.3% | $4,299+61.9% |
| Admin fee / account holder | $12,766 | $8,221+55.3% | $12,695+0.6% | $6,924+84.4% |