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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 | $145,391 | $87,059+67.0% | $105,608+37.7% | $80,925+79.7% |
| Participation rate | 83.3% | 70.4%+12.9pp | 75.3%+8.0pp | 67.7%+15.7pp |
| Annual return | 12.25% | 17.05%-4.8pp | 116.50%-104.2pp | 35.65%-23.4pp |
| Employer contribution / active EE | $5,026 | $2,396+109.7% | $3,167+58.7% | $2,756+82.3% |
| Participant deferral / active EE | $5,495 | $3,986+37.9% | $5,010+9.7% | $4,299+27.8% |
| Admin fee / account holder | $8,371 | $8,443-0.9% | $11,028-24.1% | $6,940+20.6% |