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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 | $163,969 | $72,027+127.6% | $185,861-11.8% | $79,856+105.3% |
| Participation rate | 79.3% | 65.8%+13.5pp | 78.0%+1.3pp | 69.6%+9.7pp |
| Annual return | 23.82% | 23.13%+0.7pp | 35.96%-12.1pp | 31.71%-7.9pp |
| Employer contribution / active EE | $635 | $1,965-67.7% | $4,088-84.5% | $2,471-74.3% |
| Participant deferral / active EE | $5,166 | $3,780+36.7% | $5,634-8.3% | $3,741+38.1% |
| Admin fee / account holder | $623 | $4,513-86.2% | $9,503-93.4% | $5,306-88.3% |