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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 | $168,314 | $102,245+64.6% | $89,340+88.4% | $137,256+22.6% |
| Participation rate | 85.7% | 74.9%+10.8pp | 69.6%+16.1pp | 80.0%+5.8pp |
| Annual return | 10.97% | 21.89%-10.9pp | 20.57%-9.6pp | 220.34%-209.4pp |
| Employer contribution / active EE | $3,636 | $2,529+43.8% | $2,231+63.0% | $4,156-12.5% |
| Participant deferral / active EE | $7,327 | $4,436+65.2% | $3,823+91.7% | $6,407+14.4% |
| Admin fee / account holder | $888 | $8,085-89.0% | $6,704-86.8% | $12,270-92.8% |