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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 | $124,189 | $80,985+53.3% | $96,576+28.6% | $75,181+65.2% |
| Participation rate | 78.6% | 71.8%+6.8pp | 76.0%+2.6pp | 67.2%+11.4pp |
| Annual return | 17.91% | 27.05%-9.1pp | 25.87%-8.0pp | 160.69%-142.8pp |
| Employer contribution / active EE | $1,731 | $2,282-24.2% | $2,965-41.6% | $2,671-35.2% |
| Participant deferral / active EE | $5,917 | $3,929+50.6% | $4,851+22.0% | $4,126+43.4% |
| Admin fee / account holder | $3,140 | $6,719-53.3% | $8,253-61.9% | $5,650-44.4% |