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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 | $181,633 | $112,729+61.1% | $98,716+84.0% | $137,256+32.3% |
| Participation rate | 95.7% | 74.2%+21.4pp | 69.3%+26.4pp | 80.0%+15.7pp |
| Annual return | 14.14% | 38.48%-24.3pp | 31.81%-17.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $2,276 | $2,725-16.5% | $2,279-0.1% | $4,156-45.2% |
| Participant deferral / active EE | $6,563 | $4,640+41.4% | $4,048+62.1% | $6,407+2.4% |
| Admin fee / account holder | $5,199 | $10,129-48.7% | $8,703-40.3% | $12,270-57.6% |