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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 | $164,756 | $106,864+54.2% | $147,318+11.8% | $82,637+99.4% |
| Participation rate | 81.8% | 75.5%+6.3pp | 82.1%-0.2pp | 68.1%+13.8pp |
| Annual return | 18.39% | 27.49%-9.1pp | 70.43%-52.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $2,210 | $3,417-35.3% | $4,593-51.9% | $2,552-13.4% |
| Participant deferral / active EE | $6,676 | $6,496+2.8% | $7,906-15.6% | $4,126+61.8% |
| Admin fee / account holder | $856 | $8,415-89.8% | $13,708-93.8% | $7,339-88.3% |