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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 | $154,424 | $63,861+141.8% | $104,639+47.6% | $79,856+93.4% |
| Participation rate | 71.0% | 64.9%+6.0pp | 74.1%-3.1pp | 69.6%+1.3pp |
| Annual return | 14.86% | 21.30%-6.4pp | 340.67%-325.8pp | 31.71%-16.9pp |
| Employer contribution / active EE | $1,375 | $1,588-13.4% | $2,682-48.7% | $2,471-44.4% |
| Participant deferral / active EE | $5,893 | $2,693+118.8% | $3,738+57.6% | $3,741+57.5% |
| Admin fee / account holder | $3,457 | $4,185-17.4% | $6,465-46.5% | $5,306-34.9% |