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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 | $145,183 | $88,707+63.7% | $74,184+95.7% | $273,972-47.0% |
| Participation rate | 84.6% | 79.4%+5.2pp | 76.6%+8.0pp | 83.0%+1.6pp |
| Annual return | 5.54% | 11.94%-6.4pp | 17.74%-12.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $2,446 | $3,159-22.6% | $2,370+3.2% | $4,869-49.8% |
| Participant deferral / active EE | $8,541 | $4,212+102.8% | $3,550+140.6% | $5,287+61.5% |
| Admin fee / account holder | $23,479 | $8,717+169.4% | $5,586+320.3% | $10,133+131.7% |