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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 | $185,814 | $97,550+90.5% | $120,344+54.4% | $87,485+112.4% |
| Participation rate | 84.0% | 72.8%+11.2pp | 76.7%+7.3pp | 68.9%+15.1pp |
| Annual return | 14.66% | 18.41%-3.8pp | 20.30%-5.6pp | 26.06%-11.4pp |
| Employer contribution / active EE | $859 | $2,291-62.5% | $3,020-71.5% | $2,596-66.9% |
| Participant deferral / active EE | $6,956 | $4,230+64.5% | $5,135+35.5% | $4,274+62.8% |
| Admin fee / account holder | $10,377 | $9,543+8.7% | $12,742-18.6% | $7,775+33.5% |