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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 | $167,796 | $69,444+141.6% | $92,985+80.5% | $87,485+91.8% |
| Participation rate | 86.2% | 63.3%+22.9pp | 69.5%+16.7pp | 68.9%+17.3pp |
| Annual return | 13.96% | 23.85%-9.9pp | 27.99%-14.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $2,760 | $1,917+44.0% | $2,662+3.7% | $2,596+6.3% |
| Participant deferral / active EE | $5,859 | $3,364+74.2% | $4,377+33.9% | $4,274+37.1% |
| Admin fee / account holder | $5,874 | $6,137-4.3% | $9,463-37.9% | $7,775-24.4% |