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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 | $185,303 | $87,166+112.6% | $76,735+141.5% | $137,256+35.0% |
| Participation rate | 90.9% | 74.4%+16.6pp | 69.5%+21.4pp | 80.0%+10.9pp |
| Annual return | 18.67% | 26.50%-7.8pp | 29.77%-11.1pp | 220.34%-201.7pp |
| Employer contribution / active EE | $2,403 | $2,904-17.2% | $2,454-2.1% | $4,156-42.2% |
| Participant deferral / active EE | $6,707 | $4,726+41.9% | $4,088+64.1% | $6,407+4.7% |
| Admin fee / account holder | $1,728 | $8,403-79.4% | $7,189-76.0% | $12,270-85.9% |