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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 | $246,197 | $94,031+161.8% | $115,768+112.7% | $82,448+198.6% |
| Participation rate | 84.6% | 70.4%+14.2pp | 74.4%+10.2pp | 68.1%+16.5pp |
| Annual return | 14.03% | 20.61%-6.6pp | 100.46%-86.4pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,335 | $2,323-42.5% | $2,940-54.6% | $2,551-47.7% |
| Participant deferral / active EE | $5,175 | $3,972+30.3% | $4,917+5.3% | $4,139+25.0% |
| Admin fee / account holder | $11,201 | $10,249+9.3% | $12,439-10.0% | $7,234+54.8% |