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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 | $148,653 | $113,338+31.2% | $94,993+56.5% | $147,586+0.7% |
| Participation rate | 86.7% | 78.0%+8.7pp | 73.9%+12.8pp | 82.8%+3.8pp |
| Annual return | 18.34% | 20.80%-2.5pp | 27.14%-8.8pp | 578.59%-560.3pp |
| Employer contribution / active EE | $1,484 | $3,160-53.0% | $2,603-43.0% | $4,876-69.6% |
| Participant deferral / active EE | $3,559 | $3,777-5.8% | $3,317+7.3% | $5,439-34.6% |
| Admin fee / account holder | $11,168 | $6,063+84.2% | $4,960+125.2% | $10,886+2.6% |