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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 | $132,853 | $84,518+57.2% | $67,704+96.2% | $125,389+6.0% |
| Participation rate | 94.4% | 74.8%+19.7pp | 67.5%+26.9pp | 83.2%+11.3pp |
| Annual return | 1.02% | 2.57%-1.5pp | 25.41%-24.4pp | 282.24%-281.2pp |
| Employer contribution / active EE | $3,588 | $3,292+9.0% | $2,559+40.2% | $4,866-26.3% |
| Participant deferral / active EE | $10,828 | $4,430+144.4% | $3,585+202.0% | $5,352+102.3% |
| Admin fee / account holder | $457 | $5,340-91.4% | $4,255-89.3% | $9,541-95.2% |