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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 | $190,645 | $124,980+52.5% | $108,359+75.9% | $154,746+23.2% |
| Participation rate | 77.8% | 75.2%+2.6pp | 70.1%+7.7pp | 80.7%-2.9pp |
| Annual return | 11.41% | 45.00%-33.6pp | 36.89%-25.5pp | 172.34%-160.9pp |
| Employer contribution / active EE | $2,142 | $2,851-24.8% | $2,399-10.7% | $4,379-51.1% |
| Participant deferral / active EE | $8,360 | $4,743+76.3% | $4,137+102.1% | $6,730+24.2% |
| Admin fee / account holder | $1,339 | $11,502-88.4% | $9,741-86.3% | $14,365-90.7% |