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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 | $152,817 | $71,197+114.6% | $93,669+63.1% | $80,925+88.8% |
| Participation rate | 81.3% | 60.4%+20.9pp | 68.7%+12.5pp | 67.7%+13.6pp |
| Annual return | 12.91% | 11.27%+1.6pp | 133.59%-120.7pp | 35.65%-22.7pp |
| Employer contribution / active EE | $2,832 | $1,565+81.0% | $2,424+16.9% | $2,756+2.7% |
| Participant deferral / active EE | $5,616 | $4,036+39.2% | $4,416+27.2% | $4,299+30.7% |
| Admin fee / account holder | $3,629 | $6,959-47.8% | $8,291-56.2% | $6,940-47.7% |