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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 | $163,507 | $124,980+30.8% | $108,359+50.9% | $154,746+5.7% |
| Participation rate | 76.9% | 75.2%+1.8pp | 70.1%+6.8pp | 80.7%-3.8pp |
| Annual return | 16.25% | 45.00%-28.7pp | 36.89%-20.6pp | 172.34%-156.1pp |
| Employer contribution / active EE | $1,448 | $2,851-49.2% | $2,399-39.6% | $4,379-66.9% |
| Participant deferral / active EE | $4,442 | $4,743-6.3% | $4,137+7.4% | $6,730-34.0% |
| Admin fee / account holder | $7,905 | $11,502-31.3% | $9,741-18.8% | $14,365-45.0% |