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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 | $176,898 | $78,423+125.6% | $95,964+84.3% | $79,856+121.5% |
| Participation rate | 73.1% | 73.5%-0.4pp | 77.1%-4.0pp | 69.6%+3.4pp |
| Annual return | 16.03% | 19.37%-3.3pp | 91.64%-75.6pp | 31.71%-15.7pp |
| Employer contribution / active EE | $2,057 | $1,945+5.7% | $2,541-19.1% | $2,471-16.8% |
| Participant deferral / active EE | $5,233 | $3,440+52.1% | $4,167+25.6% | $3,741+39.9% |
| Admin fee / account holder | $5,812 | $5,622+3.4% | $6,797-14.5% | $5,306+9.5% |