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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 | $76,564+119.2% | $105,582+58.9% | $94,015+78.5% |
| Participation rate | 86.2% | 65.2%+21.0pp | 71.8%+14.4pp | 70.8%+15.4pp |
| Annual return | 13.96% | 20.69%-6.7pp | 18.61%-4.6pp | 17.84%-3.9pp |
| Employer contribution / active EE | $2,760 | $1,995+38.3% | $2,984-7.5% | $2,790-1.1% |
| Participant deferral / active EE | $5,859 | $3,320+76.5% | $4,353+34.6% | $4,249+37.9% |
| Admin fee / account holder | $5,874 | $7,129-17.6% | $12,856-54.3% | $8,951-34.4% |