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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 | $157,460 | $99,053+59.0% | $88,179+78.6% | $138,895+13.4% |
| Participation rate | 72.7% | 74.2%-1.5pp | 69.1%+3.6pp | 79.9%-7.2pp |
| Annual return | 13.78% | 78.17%-64.4pp | 64.97%-51.2pp | 145.39%-131.6pp |
| Employer contribution / active EE | $2,780 | $2,882-3.5% | $2,549+9.1% | $4,194-33.7% |
| Participant deferral / active EE | $7,892 | $5,225+51.0% | $4,614+71.1% | $6,396+23.4% |
| Admin fee / account holder | $1,297 | $8,748-85.2% | $7,673-83.1% | $12,562-89.7% |