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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 | $143,470 | $58,493+145.3% | $84,021+70.8% | $72,975+96.6% |
| Participation rate | 77.4% | 61.2%+16.2pp | 69.0%+8.4pp | 69.5%+7.9pp |
| Annual return | 22.50% | 28.93%-6.4pp | 71.32%-48.8pp | 81.01%-58.5pp |
| Employer contribution / active EE | $2,446 | $1,163+110.3% | $1,984+23.3% | $2,440+0.2% |
| Participant deferral / active EE | $4,680 | $2,394+95.5% | $3,239+44.5% | $3,608+29.7% |
| Admin fee / account holder | $2,288 | $4,569-49.9% | $6,102-62.5% | $5,124-55.4% |