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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 | $155,789 | $72,404+115.2% | $110,243+41.3% | $64,173+142.8% |
| Participation rate | 96.3% | 73.3%+23.0pp | 79.8%+16.5pp | 69.6%+26.7pp |
| Annual return | 6.78% | -6.29%+13.1pp | 314.76%-308.0pp | 7.63%-0.9pp |
| Employer contribution / active EE | $2,409 | $2,282+5.6% | $3,827-37.0% | $2,381+1.2% |
| Participant deferral / active EE | $3,761 | $3,469+8.4% | $4,672-19.5% | $3,470+8.4% |
| Admin fee / account holder | $6,584 | $5,664+16.2% | $8,548-23.0% | $4,887+34.7% |