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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 | $208,969 | $88,707+135.6% | $74,184+181.7% | $273,972-23.7% |
| Participation rate | 94.4% | 79.4%+15.0pp | 76.6%+17.8pp | 83.0%+11.4pp |
| Annual return | 6.95% | 11.94%-5.0pp | 17.74%-10.8pp | 41.46%-34.5pp |
| Employer contribution / active EE | $3,419 | $3,159+8.2% | $2,370+44.2% | $4,869-29.8% |
| Participant deferral / active EE | $6,837 | $4,212+62.3% | $3,550+92.6% | $5,287+29.3% |
| Admin fee / account holder | $3,673 | $8,717-57.9% | $5,586-34.2% | $10,133-63.7% |