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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 | $183,828 | $54,541+237.0% | $78,778+133.4% | $70,126+162.1% |
| Participation rate | 73.1% | 60.8%+12.3pp | 69.2%+3.9pp | 69.5%+3.5pp |
| Annual return | 20.07% | 21.07%-1.0pp | 35.62%-15.6pp | 73.15%-53.1pp |
| Employer contribution / active EE | $1,175 | $1,089+7.9% | $1,986-40.8% | $2,343-49.9% |
| Participant deferral / active EE | $4,685 | $2,210+112.0% | $2,958+58.4% | $3,332+40.6% |
| Admin fee / account holder | $11,050 | $3,709+197.9% | $5,134+115.2% | $4,645+137.9% |