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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 | $148,835 | $101,798+46.2% | $165,071-9.8% | $80,935+83.9% |
| Participation rate | 82.9% | 71.8%+11.1pp | 78.6%+4.3pp | 67.7%+15.3pp |
| Annual return | 15.42% | 16.73%-1.3pp | 70.17%-54.8pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,410 | $2,954-18.4% | $4,347-44.6% | $2,757-12.6% |
| Participant deferral / active EE | $4,146 | $4,476-7.4% | $6,035-31.3% | $4,299-3.6% |
| Admin fee / account holder | $11,794 | $8,221+43.5% | $12,695-7.1% | $6,924+70.3% |