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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 | $167,191 | $58,627+185.2% | $76,735+117.9% | $82,448+102.8% |
| Participation rate | 76.5% | 63.2%+13.3pp | 69.5%+7.0pp | 68.1%+8.4pp |
| Annual return | 15.33% | 39.10%-23.8pp | 29.77%-14.4pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,063 | $1,729+19.3% | $2,454-15.9% | $2,551-19.1% |
| Participant deferral / active EE | $4,358 | $3,134+39.1% | $4,088+6.6% | $4,139+5.3% |
| Admin fee / account holder | $9,744 | $5,323+83.1% | $7,189+35.5% | $7,234+34.7% |