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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 | $114,866 | $59,839+92.0% | $81,991+40.1% | $79,852+43.8% |
| Participation rate | 78.5% | 61.6%+16.9pp | 69.3%+9.2pp | 69.6%+8.8pp |
| Annual return | 12.00% | 17.56%-5.6pp | 41.31%-29.3pp | 31.72%-19.7pp |
| Employer contribution / active EE | $1,572 | $1,713-8.3% | $2,498-37.1% | $2,471-36.4% |
| Participant deferral / active EE | $6,263 | $2,695+132.4% | $3,722+68.2% | $3,740+67.4% |
| Admin fee / account holder | $13,788 | $4,287+221.6% | $5,665+143.4% | $5,306+159.8% |