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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 | $229,727 | $114,712+100.3% | $173,730+32.2% | $87,485+162.6% |
| Participation rate | 92.6% | 73.0%+19.6pp | 79.6%+13.0pp | 68.9%+23.7pp |
| Annual return | 15.72% | 20.18%-4.5pp | 19.96%-4.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,061 | $2,904-29.0% | $4,577-55.0% | $2,596-20.6% |
| Participant deferral / active EE | $4,940 | $4,642+6.4% | $6,326-21.9% | $4,274+15.6% |
| Admin fee / account holder | $859 | $10,210-91.6% | $17,523-95.1% | $7,775-89.0% |