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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 | $149,396 | $81,358+83.6% | $155,556-4.0% | $80,959+84.5% |
| Participation rate | 80.8% | 66.3%+14.5pp | 78.2%+2.5pp | 67.7%+13.1pp |
| Annual return | 21.97% | 33.39%-11.4pp | 64.84%-42.9pp | 35.67%-13.7pp |
| Employer contribution / active EE | $2,411 | $3,106-22.4% | $4,675-48.4% | $2,757-12.6% |
| Participant deferral / active EE | $3,785 | $3,455+9.5% | $5,631-32.8% | $4,300-12.0% |
| Admin fee / account holder | $4,639 | $7,994-42.0% | $15,885-70.8% | $6,925-33.0% |