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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 | $178,847 | $106,749+67.5% | $145,433+23.0% | $82,448+116.9% |
| Participation rate | 93.2% | 75.6%+17.6pp | 82.1%+11.1pp | 68.1%+25.2pp |
| Annual return | 16.12% | 27.59%-11.5pp | 66.58%-50.5pp | 41.64%-25.5pp |
| Employer contribution / active EE | $3,509 | $3,444+1.9% | $4,554-23.0% | $2,551+37.5% |
| Participant deferral / active EE | $6,462 | $6,519-0.9% | $7,897-18.2% | $4,139+56.1% |
| Admin fee / account holder | $2,401 | $8,390-71.4% | $13,129-81.7% | $7,234-66.8% |