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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 | $144,608 | $71,215+103.1% | $93,696+54.3% | $80,935+78.7% |
| Participation rate | 96.0% | 60.4%+35.6pp | 68.7%+27.3pp | 67.7%+28.3pp |
| Annual return | 14.97% | 11.27%+3.7pp | 133.74%-118.8pp | 35.66%-20.7pp |
| Employer contribution / active EE | $2,858 | $1,565+82.6% | $2,422+18.0% | $2,757+3.7% |
| Participant deferral / active EE | $4,903 | $4,037+21.5% | $4,417+11.0% | $4,299+14.0% |
| Admin fee / account holder | $3,486 | $6,958-49.9% | $8,287-57.9% | $6,924-49.7% |