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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 | $146,538 | $96,491+51.9% | $75,894+93.1% | $152,885-4.2% |
| Participation rate | 71.4% | 76.2%-4.8pp | 69.3%+2.1pp | 82.5%-11.0pp |
| Annual return | 20.68% | 33.98%-13.3pp | 30.76%-10.1pp | 345.39%-324.7pp |
| Employer contribution / active EE | $2,402 | $3,310-27.4% | $2,501-3.9% | $4,763-49.6% |
| Participant deferral / active EE | $9,085 | $4,553+99.5% | $3,603+152.1% | $5,851+55.3% |
| Admin fee / account holder | $1,843 | $8,079-77.2% | $5,420-66.0% | $11,598-84.1% |