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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 | $235,316 | $136,860+71.9% | $120,344+95.5% | $154,746+52.1% |
| Participation rate | 91.7% | 79.9%+11.8pp | 76.7%+15.0pp | 80.7%+11.0pp |
| Annual return | 14.02% | 21.38%-7.4pp | 20.30%-6.3pp | 172.34%-158.3pp |
| Employer contribution / active EE | $3,877 | $3,533+9.7% | $3,020+28.4% | $4,379-11.5% |
| Participant deferral / active EE | $8,751 | $5,793+51.0% | $5,135+70.4% | $6,730+30.0% |
| Admin fee / account holder | $2,799 | $15,393-81.8% | $12,742-78.0% | $14,365-80.5% |