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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 | $163,692 | $81,358+101.2% | $155,556+5.2% | $80,959+102.2% |
| Participation rate | 84.0% | 66.3%+17.7pp | 78.2%+5.8pp | 67.7%+16.3pp |
| Annual return | 16.06% | 33.39%-17.3pp | 64.84%-48.8pp | 35.67%-19.6pp |
| Employer contribution / active EE | $3,276 | $3,106+5.5% | $4,675-29.9% | $2,757+18.8% |
| Participant deferral / active EE | $3,422 | $3,455-1.0% | $5,631-39.2% | $4,300-20.4% |
| Admin fee / account holder | $1,610 | $7,994-79.9% | $15,885-89.9% | $6,925-76.7% |