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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 | $95,453+94.7% | $112,040+65.8% | $82,448+125.4% |
| Participation rate | 84.0% | 72.8%+11.2pp | 76.5%+7.5pp | 68.1%+15.9pp |
| Annual return | 14.66% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $859 | $2,318-62.9% | $2,954-70.9% | $2,551-66.3% |
| Participant deferral / active EE | $6,956 | $4,224+64.7% | $5,098+36.4% | $4,139+68.0% |
| Admin fee / account holder | $10,377 | $9,013+15.1% | $12,098-14.2% | $7,234+43.4% |