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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 | $144,968 | $83,337+74.0% | $67,834+113.7% | $273,972-47.1% |
| Participation rate | 88.2% | 76.4%+11.8pp | 68.8%+19.4pp | 83.0%+5.2pp |
| Annual return | 5.99% | 259.45%-253.5pp | 138.47%-132.5pp | 41.46%-35.5pp |
| Employer contribution / active EE | $3,190 | $3,287-3.0% | $2,403+32.7% | $4,869-34.5% |
| Participant deferral / active EE | $7,145 | $4,088+74.8% | $3,160+126.1% | $5,287+35.1% |
| Admin fee / account holder | $1,456 | $6,752-78.4% | $4,622-68.5% | $10,133-85.6% |