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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 | $75,541+87.8% | $152,093-6.7% | $82,637+71.7% |
| Participation rate | 76.0% | 66.5%+9.5pp | 77.8%-1.8pp | 68.1%+7.9pp |
| Annual return | 13.62% | 32.56%-18.9pp | 66.36%-52.7pp | 53.51%-39.9pp |
| Employer contribution / active EE | $2,715 | $2,622+3.5% | $4,175-35.0% | $2,552+6.4% |
| Participant deferral / active EE | $5,811 | $3,206+81.3% | $5,451+6.6% | $4,126+40.8% |
| Admin fee / account holder | $10,928 | $6,405+70.6% | $14,497-24.6% | $7,339+48.9% |