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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 | $178,292 | $106,864+66.8% | $147,318+21.0% | $82,637+115.8% |
| Participation rate | 81.1% | 75.5%+5.6pp | 82.1%-1.0pp | 68.1%+13.0pp |
| Annual return | 16.26% | 27.49%-11.2pp | 70.43%-54.2pp | 53.51%-37.2pp |
| Employer contribution / active EE | $2,420 | $3,417-29.2% | $4,593-47.3% | $2,552-5.2% |
| Participant deferral / active EE | $7,353 | $6,496+13.2% | $7,906-7.0% | $4,126+78.2% |
| Admin fee / account holder | $2,312 | $8,415-72.5% | $13,708-83.1% | $7,339-68.5% |