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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 | $156,799 | $102,245+53.4% | $89,340+75.5% | $137,256+14.2% |
| Participation rate | 76.2% | 74.9%+1.3pp | 69.6%+6.6pp | 80.0%-3.8pp |
| Annual return | 14.80% | 21.89%-7.1pp | 20.57%-5.8pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,566 | $2,529+1.4% | $2,231+15.0% | $4,156-38.3% |
| Participant deferral / active EE | $9,211 | $4,436+107.6% | $3,823+141.0% | $6,407+43.8% |
| Admin fee / account holder | $4,439 | $8,085-45.1% | $6,704-33.8% | $12,270-63.8% |