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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 | $170,991 | $99,345+72.1% | $84,753+101.8% | $273,972-37.6% |
| Participation rate | 91.7% | 80.7%+11.0pp | 76.6%+15.1pp | 83.0%+8.7pp |
| Annual return | 6.89% | 22.93%-16.0pp | 22.78%-15.9pp | 41.46%-34.6pp |
| Employer contribution / active EE | $8,333 | $4,214+97.8% | $3,574+133.1% | $4,869+71.2% |
| Participant deferral / active EE | $6,434 | $4,270+50.7% | $3,712+73.3% | $5,287+21.7% |
| Admin fee / account holder | $3,098 | $6,645-53.4% | $5,333-41.9% | $10,133-69.4% |