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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 | $179,698 | $94,439+90.3% | $73,658+144.0% | $154,746+16.1% |
| Participation rate | 75.0% | 64.7%+10.3pp | 57.0%+18.0pp | 80.7%-5.7pp |
| Annual return | 14.72% | 28.25%-13.5pp | 29.72%-15.0pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,361 | $1,257+8.2% | $1,032+31.8% | $4,379-68.9% |
| Participant deferral / active EE | $6,218 | $2,527+146.1% | $2,062+201.6% | $6,730-7.6% |
| Admin fee / account holder | $2,959 | $3,843-23.0% | $3,357-11.8% | $14,365-79.4% |