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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 | $143,740 | $71,230+101.8% | $93,727+53.4% | $80,959+77.5% |
| Participation rate | 87.8% | 60.4%+27.4pp | 68.7%+19.1pp | 67.7%+20.1pp |
| Annual return | 12.68% | 11.26%+1.4pp | 133.83%-121.2pp | 35.67%-23.0pp |
| Employer contribution / active EE | $1,246 | $1,565-20.4% | $2,421-48.5% | $2,757-54.8% |
| Participant deferral / active EE | $7,130 | $4,037+76.6% | $4,417+61.4% | $4,300+65.8% |
| Admin fee / account holder | $22,392 | $6,961+221.7% | $8,292+170.1% | $6,925+223.3% |