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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 | $177,821 | $86,940+104.5% | $102,434+73.6% | $80,935+119.7% |
| Participation rate | 86.0% | 72.4%+13.6pp | 76.5%+9.5pp | 67.7%+18.3pp |
| Annual return | 12.66% | 18.89%-6.2pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $4,466 | $2,370+88.5% | $3,023+47.7% | $2,757+62.0% |
| Participant deferral / active EE | $5,593 | $4,121+35.7% | $5,055+10.7% | $4,299+30.1% |
| Admin fee / account holder | $7,685 | $8,047-4.5% | $9,462-18.8% | $6,924+11.0% |