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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 | $157,602 | $124,425+26.7% | $112,040+40.7% | $137,256+14.8% |
| Participation rate | 95.5% | 79.3%+16.1pp | 76.5%+19.0pp | 80.0%+15.5pp |
| Annual return | 14.16% | 24.72%-10.6pp | 24.52%-10.4pp | 220.34%-206.2pp |
| Employer contribution / active EE | $1,508 | $3,411-55.8% | $2,954-49.0% | $4,156-63.7% |
| Participant deferral / active EE | $7,758 | $5,718+35.7% | $5,098+52.2% | $6,407+21.1% |
| Admin fee / account holder | $617 | $15,207-95.9% | $12,098-94.9% | $12,270-95.0% |