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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 | $112,729+45.0% | $98,716+65.6% | $137,256+19.1% |
| Participation rate | 76.9% | 74.2%+2.7pp | 69.3%+7.6pp | 80.0%-3.0pp |
| Annual return | 16.25% | 38.48%-22.2pp | 31.81%-15.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,448 | $2,725-46.9% | $2,279-36.4% | $4,156-65.2% |
| Participant deferral / active EE | $4,442 | $4,640-4.3% | $4,048+9.7% | $6,407-30.7% |
| Admin fee / account holder | $7,905 | $10,129-22.0% | $8,703-9.2% | $12,270-35.6% |