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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 | $71,057+102.3% | $93,654+53.5% | $80,874+77.7% |
| Participation rate | 87.8% | 60.4%+27.4pp | 68.7%+19.1pp | 67.6%+20.2pp |
| Annual return | 12.68% | 11.26%+1.4pp | 133.34%-120.7pp | 35.62%-22.9pp |
| Employer contribution / active EE | $1,246 | $1,564-20.3% | $2,421-48.5% | $2,756-54.8% |
| Participant deferral / active EE | $7,130 | $4,034+76.7% | $4,413+61.6% | $4,297+65.9% |
| Admin fee / account holder | $22,392 | $6,944+222.5% | $8,282+170.4% | $6,935+222.9% |