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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 | $148,799 | $71,230+108.9% | $93,727+58.8% | $80,959+83.8% |
| Participation rate | 88.5% | 60.4%+28.1pp | 68.7%+19.8pp | 67.7%+20.8pp |
| Annual return | 14.81% | 11.26%+3.6pp | 133.83%-119.0pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,251 | $1,565-20.1% | $2,421-48.3% | $2,757-54.6% |
| Participant deferral / active EE | $4,451 | $4,037+10.2% | $4,417+0.8% | $4,300+3.5% |
| Admin fee / account holder | $27,073 | $6,961+288.9% | $8,292+226.5% | $6,925+290.9% |