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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 | $148,459 | $110,212+34.7% | $96,534+53.8% | $139,466+6.4% |
| Participation rate | 89.5% | 78.1%+11.4pp | 76.0%+13.5pp | 80.3%+9.1pp |
| Annual return | 19.01% | 26.42%-7.4pp | 25.88%-6.9pp | 373.66%-354.7pp |
| Employer contribution / active EE | $1,259 | $3,620-65.2% | $2,965-57.6% | $4,754-73.5% |
| Participant deferral / active EE | $8,497 | $5,547+53.2% | $4,851+75.2% | $6,712+26.6% |
| Admin fee / account holder | $1,110 | $11,599-90.4% | $8,253-86.6% | $11,409-90.3% |