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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 | $203,924 | $73,787+176.4% | $98,716+106.6% | $82,448+147.3% |
| Participation rate | 92.0% | 61.4%+30.6pp | 69.3%+22.7pp | 68.1%+23.9pp |
| Annual return | 29.13% | 18.57%+10.6pp | 31.81%-2.7pp | 41.64%-12.5pp |
| Employer contribution / active EE | $1,316 | $1,511-12.9% | $2,279-42.2% | $2,551-48.4% |
| Participant deferral / active EE | $4,794 | $3,081+55.6% | $4,048+18.4% | $4,139+15.8% |
| Admin fee / account holder | $6,799 | $6,500+4.6% | $8,703-21.9% | $7,234-6.0% |