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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 | $155,484 | $59,440+161.6% | $78,004+99.3% | $82,637+88.2% |
| Participation rate | 72.0% | 62.8%+9.2pp | 69.4%+2.6pp | 68.1%+3.9pp |
| Annual return | 13.74% | 40.24%-26.5pp | 31.07%-17.3pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,166 | $1,750+23.8% | $2,469-12.3% | $2,552-15.1% |
| Participant deferral / active EE | $4,174 | $3,138+33.0% | $4,092+2.0% | $4,126+1.2% |
| Admin fee / account holder | $4,243 | $5,504-22.9% | $7,578-44.0% | $7,339-42.2% |