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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 | $177,741 | $88,707+100.4% | $74,184+139.6% | $273,972-35.1% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.6%+13.4pp | 83.0%+7.0pp |
| Annual return | 6.83% | 11.94%-5.1pp | 17.74%-10.9pp | 41.46%-34.6pp |
| Employer contribution / active EE | $4,972 | $3,159+57.4% | $2,370+109.8% | $4,869+2.1% |
| Participant deferral / active EE | $8,876 | $4,212+110.7% | $3,550+150.0% | $5,287+67.9% |
| Admin fee / account holder | $1,645 | $8,717-81.1% | $5,586-70.5% | $10,133-83.8% |