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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 | $115,931+55.1% | $185,441-3.1% | $86,983+106.7% |
| Participation rate | 77.8% | 73.6%+4.2pp | 80.3%-2.5pp | 69.5%+8.2pp |
| Annual return | 16.36% | 21.47%-5.1pp | 20.16%-3.8pp | 25.83%-9.5pp |
| Employer contribution / active EE | $2,101 | $2,937-28.5% | $4,672-55.0% | $2,584-18.7% |
| Participant deferral / active EE | $3,604 | $4,551-20.8% | $6,152-41.4% | $4,194-14.1% |
| Admin fee / account holder | $3,983 | $10,687-62.7% | $17,890-77.7% | $7,856-49.3% |