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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 | $211,392 | $95,453+121.5% | $112,040+88.7% | $82,448+156.4% |
| Participation rate | 83.1% | 72.8%+10.4pp | 76.5%+6.6pp | 68.1%+15.0pp |
| Annual return | 19.09% | 23.92%-4.8pp | 24.52%-5.4pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,835 | $2,318-20.8% | $2,954-37.9% | $2,551-28.1% |
| Participant deferral / active EE | $6,595 | $4,224+56.1% | $5,098+29.4% | $4,139+59.3% |
| Admin fee / account holder | $21,471 | $9,013+138.2% | $12,098+77.5% | $7,234+196.8% |