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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 | $142,409 | $106,524+33.7% | $152,301-6.5% | $87,485+62.8% |
| Participation rate | 84.6% | 75.8%+8.9pp | 82.4%+2.2pp | 68.9%+15.7pp |
| Annual return | 14.39% | 26.89%-12.5pp | 80.50%-66.1pp | 26.06%-11.7pp |
| Employer contribution / active EE | $3,086 | $3,371-8.5% | $4,624-33.3% | $2,596+18.9% |
| Participant deferral / active EE | $2,903 | $6,525-55.5% | $8,004-63.7% | $4,274-32.1% |
| Admin fee / account holder | $1,659 | $8,287-80.0% | $14,398-88.5% | $7,775-78.7% |