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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 | $148,053 | $76,551+93.4% | $123,894+19.5% | $62,881+135.4% |
| Participation rate | 78.9% | 73.0%+6.0pp | 81.4%-2.5pp | 69.3%+9.6pp |
| Annual return | 5.97% | 18.68%-12.7pp | 47.52%-41.5pp | 20.14%-14.2pp |
| Employer contribution / active EE | $8,413 | $2,882+191.9% | $4,617+82.2% | $2,281+268.8% |
| Participant deferral / active EE | $3,591 | $4,840-25.8% | $5,984-40.0% | $3,203+12.1% |
| Admin fee / account holder | $501 | $4,826-89.6% | $8,357-94.0% | $4,296-88.3% |