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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 | $76,407+118.7% | $150,298+11.2% | $82,448+102.7% |
| Participation rate | 70.4% | 66.4%+4.0pp | 77.8%-7.4pp | 68.1%+2.3pp |
| Annual return | 16.00% | 39.99%-24.0pp | 62.79%-46.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $2,684 | $2,614+2.7% | $4,154-35.4% | $2,551+5.2% |
| Participant deferral / active EE | $7,904 | $3,214+145.9% | $5,453+45.0% | $4,139+91.0% |
| Admin fee / account holder | $13,211 | $6,352+108.0% | $14,116-6.4% | $7,234+82.6% |