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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 | $174,303 | $86,938+100.5% | $102,423+70.2% | $80,925+115.4% |
| Participation rate | 85.0% | 72.4%+12.6pp | 76.5%+8.5pp | 67.7%+17.3pp |
| Annual return | 14.22% | 18.89%-4.7pp | 29.42%-15.2pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,678 | $2,369-29.2% | $3,023-44.5% | $2,756-39.1% |
| Participant deferral / active EE | $5,779 | $4,120+40.2% | $5,054+14.3% | $4,299+34.4% |
| Admin fee / account holder | $16,522 | $8,053+105.2% | $9,455+74.8% | $6,940+138.1% |