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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 | $141,850 | $77,814+82.3% | $158,223-10.3% | $86,983+63.1% |
| Participation rate | 76.0% | 68.4%+7.6pp | 79.2%-3.2pp | 69.5%+6.5pp |
| Annual return | 13.62% | 30.54%-16.9pp | 52.09%-38.5pp | 25.83%-12.2pp |
| Employer contribution / active EE | $2,715 | $2,592+4.7% | $4,109-33.9% | $2,584+5.1% |
| Participant deferral / active EE | $5,811 | $3,270+77.7% | $5,467+6.3% | $4,194+38.6% |
| Admin fee / account holder | $10,928 | $5,879+85.9% | $16,047-31.9% | $7,856+39.1% |