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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 | $179,752 | $114,712+56.7% | $173,730+3.5% | $87,485+105.5% |
| Participation rate | 77.8% | 73.0%+4.8pp | 79.6%-1.8pp | 68.9%+8.8pp |
| Annual return | 16.36% | 20.18%-3.8pp | 19.96%-3.6pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,101 | $2,904-27.7% | $4,577-54.1% | $2,596-19.1% |
| Participant deferral / active EE | $3,604 | $4,642-22.4% | $6,326-43.0% | $4,274-15.7% |
| Admin fee / account holder | $3,983 | $10,210-61.0% | $17,523-77.3% | $7,775-48.8% |