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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 | $148,659 | $106,749+39.3% | $145,433+2.2% | $82,448+80.3% |
| Participation rate | 77.4% | 75.6%+1.8pp | 82.1%-4.7pp | 68.1%+9.4pp |
| Annual return | 18.64% | 27.59%-9.0pp | 66.58%-47.9pp | 41.64%-23.0pp |
| Employer contribution / active EE | $3,190 | $3,444-7.4% | $4,554-30.0% | $2,551+25.0% |
| Participant deferral / active EE | $5,169 | $6,519-20.7% | $7,897-34.5% | $4,139+24.9% |
| Admin fee / account holder | $1,604 | $8,390-80.9% | $13,129-87.8% | $7,234-77.8% |