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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 | $141,260 | $94,439+49.6% | $73,658+91.8% | $154,746-8.7% |
| Participation rate | 75.0% | 64.7%+10.3pp | 57.0%+18.0pp | 80.7%-5.7pp |
| Annual return | 17.41% | 28.25%-10.8pp | 29.72%-12.3pp | 172.34%-154.9pp |
| Employer contribution / active EE | $2,373 | $1,257+88.8% | $1,032+129.9% | $4,379-45.8% |
| Participant deferral / active EE | $13,902 | $2,527+450.1% | $2,062+574.2% | $6,730+106.6% |
| Admin fee / account holder | $1,312 | $3,843-65.9% | $3,357-60.9% | $14,365-90.9% |