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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 | $182,849 | $99,345+84.1% | $84,753+115.7% | $273,972-33.3% |
| Participation rate | 88.9% | 80.7%+8.2pp | 76.6%+12.3pp | 83.0%+5.9pp |
| Annual return | 6.97% | 22.93%-16.0pp | 22.78%-15.8pp | 41.46%-34.5pp |
| Employer contribution / active EE | $5,735 | $4,214+36.1% | $3,574+60.4% | $4,869+17.8% |
| Participant deferral / active EE | $8,389 | $4,270+96.5% | $3,712+126.0% | $5,287+58.7% |
| Admin fee / account holder | $4,049 | $6,645-39.1% | $5,333-24.1% | $10,133-60.0% |