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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 | $149,742 | $100,901+48.4% | $75,501+98.3% | $147,586+1.5% |
| Participation rate | 79.2% | 77.1%+2.0pp | 72.4%+6.8pp | 82.8%-3.7pp |
| Annual return | 13.58% | 35.78%-22.2pp | 27.35%-13.8pp | 578.59%-565.0pp |
| Employer contribution / active EE | $3,475 | $3,253+6.8% | $2,352+47.7% | $4,876-28.7% |
| Participant deferral / active EE | $6,237 | $4,027+54.9% | $3,142+98.5% | $5,439+14.7% |
| Admin fee / account holder | $320 | $11,285-97.2% | $5,801-94.5% | $10,886-97.1% |