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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 | $143,272 | $98,776+45.0% | $149,745-4.3% | $79,856+79.4% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.5%+5.5pp | 69.6%+18.4pp |
| Annual return | 16.18% | 27.38%-11.2pp | 276.72%-260.5pp | 31.71%-15.5pp |
| Employer contribution / active EE | $896 | $3,217-72.1% | $4,646-80.7% | $2,471-63.7% |
| Participant deferral / active EE | $3,428 | $5,681-39.7% | $6,843-49.9% | $3,741-8.4% |
| Admin fee / account holder | $2,929 | $6,053-51.6% | $9,312-68.5% | $5,306-44.8% |