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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 | $170,030 | $83,485+103.7% | $125,195+35.8% | $72,976+133.0% |
| Participation rate | 89.7% | 73.3%+16.4pp | 79.8%+9.9pp | 69.5%+20.2pp |
| Annual return | 20.76% | 25.77%-5.0pp | 43.79%-23.0pp | 81.02%-60.3pp |
| Employer contribution / active EE | $2,558 | $2,346+9.1% | $3,866-33.8% | $2,440+4.8% |
| Participant deferral / active EE | $7,294 | $3,586+103.4% | $4,937+47.7% | $3,608+102.2% |
| Admin fee / account holder | $2,145 | $5,518-61.1% | $9,704-77.9% | $5,124-58.1% |