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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 | $168,525 | $106,749+57.9% | $145,433+15.9% | $82,448+104.4% |
| Participation rate | 76.0% | 75.6%+0.4pp | 82.1%-6.1pp | 68.1%+7.9pp |
| Annual return | 18.53% | 27.59%-9.1pp | 66.58%-48.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $3,907 | $3,444+13.4% | $4,554-14.2% | $2,551+53.2% |
| Participant deferral / active EE | $9,521 | $6,519+46.1% | $7,897+20.6% | $4,139+130.0% |
| Admin fee / account holder | $7,750 | $8,390-7.6% | $13,129-41.0% | $7,234+7.1% |