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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 | $145,779 | $98,776+47.6% | $149,745-2.6% | $79,856+82.6% |
| Participation rate | 94.9% | 75.8%+19.1pp | 82.5%+12.4pp | 69.6%+25.2pp |
| Annual return | 20.02% | 27.38%-7.4pp | 276.72%-256.7pp | 31.71%-11.7pp |
| Employer contribution / active EE | $1,761 | $3,217-45.3% | $4,646-62.1% | $2,471-28.8% |
| Participant deferral / active EE | $4,659 | $5,681-18.0% | $6,843-31.9% | $3,741+24.6% |
| Admin fee / account holder | $4,349 | $6,053-28.2% | $9,312-53.3% | $5,306-18.1% |