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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 | $154,491 | $95,453+61.8% | $112,040+37.9% | $82,448+87.4% |
| Participation rate | 78.4% | 72.8%+5.6pp | 76.5%+1.9pp | 68.1%+10.3pp |
| Annual return | 19.18% | 23.92%-4.7pp | 24.52%-5.3pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,464 | $2,318+6.3% | $2,954-16.6% | $2,551-3.4% |
| Participant deferral / active EE | $4,949 | $4,224+17.2% | $5,098-2.9% | $4,139+19.6% |
| Admin fee / account holder | $2,392 | $9,013-73.5% | $12,098-80.2% | $7,234-66.9% |