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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 | $184,654 | $88,707+108.2% | $74,184+148.9% | $273,972-32.6% |
| Participation rate | 90.9% | 79.4%+11.5pp | 76.6%+14.3pp | 83.0%+7.9pp |
| Annual return | 8.01% | 11.94%-3.9pp | 17.74%-9.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $3,017 | $3,159-4.5% | $2,370+27.3% | $4,869-38.0% |
| Participant deferral / active EE | $7,077 | $4,212+68.0% | $3,550+99.4% | $5,287+33.8% |
| Admin fee / account holder | $18,862 | $8,717+116.4% | $5,586+237.7% | $10,133+86.2% |