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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 | $149,087 | $83,485+78.6% | $125,192+19.1% | $72,975+104.3% |
| Participation rate | 82.4% | 73.3%+9.1pp | 79.8%+2.6pp | 69.5%+12.9pp |
| Annual return | 18.50% | 25.77%-7.3pp | 43.79%-25.3pp | 81.01%-62.5pp |
| Employer contribution / active EE | $895 | $2,346-61.8% | $3,866-76.8% | $2,440-63.3% |
| Participant deferral / active EE | $5,056 | $3,586+41.0% | $4,937+2.4% | $3,608+40.2% |
| Admin fee / account holder | $966 | $5,518-82.5% | $9,704-90.0% | $5,124-81.1% |