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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 | $179,808 | $126,661+42.0% | $113,397+58.6% | $138,895+29.5% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.5%+13.5pp | 79.9%+10.1pp |
| Annual return | 15.11% | 25.05%-9.9pp | 23.20%-8.1pp | 145.39%-130.3pp |
| Employer contribution / active EE | $3,016 | $3,456-12.7% | $2,977+1.3% | $4,194-28.1% |
| Participant deferral / active EE | $6,216 | $5,693+9.2% | $5,076+22.4% | $6,396-2.8% |
| Admin fee / account holder | $2,226 | $14,549-84.7% | $11,957-81.4% | $12,562-82.3% |