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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 | $139,407 | $99,994+39.4% | $146,643-4.9% | $85,847+62.4% |
| Participation rate | 75.9% | 73.1%+2.8pp | 80.1%-4.2pp | 69.3%+6.5pp |
| Annual return | 12.86% | 18.93%-6.1pp | 22.75%-9.9pp | 318.61%-305.7pp |
| Employer contribution / active EE | $3,060 | $2,559+19.6% | $4,137-26.0% | $2,565+19.3% |
| Participant deferral / active EE | $7,948 | $4,006+98.4% | $5,506+44.3% | $3,952+101.1% |
| Admin fee / account holder | $9,328 | $7,703+21.1% | $10,280-9.3% | $6,261+49.0% |