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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 | $161,687 | $81,476+98.4% | $102,383+57.9% | $80,925+99.8% |
| Participation rate | 76.0% | 66.8%+9.2pp | 74.5%+1.5pp | 67.7%+8.3pp |
| Annual return | 12.78% | 25.59%-12.8pp | 24.94%-12.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $10,772 | $3,105+246.9% | $3,870+178.3% | $2,756+290.8% |
| Participant deferral / active EE | $6,603 | $3,871+70.6% | $5,060+30.5% | $4,299+53.6% |
| Admin fee / account holder | $2,261 | $6,717-66.3% | $8,391-73.1% | $6,940-67.4% |