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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 | $69,444+140.8% | $92,985+79.8% | $87,485+91.1% |
| Participation rate | 76.5% | 63.3%+13.2pp | 69.5%+7.0pp | 68.9%+7.5pp |
| Annual return | 15.33% | 23.85%-8.5pp | 27.99%-12.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,063 | $1,917+7.6% | $2,662-22.5% | $2,596-20.5% |
| Participant deferral / active EE | $4,358 | $3,364+29.6% | $4,377-0.4% | $4,274+2.0% |
| Admin fee / account holder | $9,744 | $6,137+58.8% | $9,463+3.0% | $7,775+25.3% |