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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 | $95,404+94.8% | $113,397+63.9% | $82,637+124.9% |
| Participation rate | 84.0% | 72.8%+11.2pp | 76.5%+7.5pp | 68.1%+15.9pp |
| Annual return | 14.66% | 19.08%-4.4pp | 23.20%-8.5pp | 53.51%-38.8pp |
| Employer contribution / active EE | $859 | $2,307-62.7% | $2,977-71.1% | $2,552-66.3% |
| Participant deferral / active EE | $6,956 | $4,220+64.8% | $5,076+37.0% | $4,126+68.6% |
| Admin fee / account holder | $10,377 | $9,168+13.2% | $11,957-13.2% | $7,339+41.4% |