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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 | $200,277 | $76,834+160.7% | $108,359+84.8% | $87,485+128.9% |
| Participation rate | 71.4% | 61.7%+9.7pp | 70.1%+1.3pp | 68.9%+2.5pp |
| Annual return | 16.32% | 19.09%-2.8pp | 36.89%-20.6pp | 26.06%-9.7pp |
| Employer contribution / active EE | $1,739 | $1,556+11.7% | $2,399-27.5% | $2,596-33.0% |
| Participant deferral / active EE | $6,594 | $3,100+112.7% | $4,137+59.4% | $4,274+54.3% |
| Admin fee / account holder | $1,701 | $6,537-74.0% | $9,741-82.5% | $7,775-78.1% |