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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 | $167,086 | $75,541+121.2% | $152,093+9.9% | $82,637+102.2% |
| Participation rate | 70.4% | 66.5%+3.8pp | 77.8%-7.4pp | 68.1%+2.3pp |
| Annual return | 16.00% | 32.56%-16.6pp | 66.36%-50.4pp | 53.51%-37.5pp |
| Employer contribution / active EE | $2,684 | $2,622+2.4% | $4,175-35.7% | $2,552+5.2% |
| Participant deferral / active EE | $7,904 | $3,206+146.6% | $5,451+45.0% | $4,126+91.6% |
| Admin fee / account holder | $13,211 | $6,405+106.3% | $14,497-8.9% | $7,339+80.0% |