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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 | $155,669 | $77,816+100.0% | $123,552+26.0% | $64,173+142.6% |
| Participation rate | 92.3% | 74.7%+17.6pp | 82.3%+10.0pp | 69.6%+22.7pp |
| Annual return | 3.95% | 12.49%-8.5pp | 119.20%-115.3pp | 7.63%-3.7pp |
| Employer contribution / active EE | $1,458 | $3,014-51.6% | $4,628-68.5% | $2,381-38.8% |
| Participant deferral / active EE | $4,706 | $5,240-10.2% | $6,426-26.8% | $3,470+35.6% |
| Admin fee / account holder | $63,596 | $5,519+1052.3% | $9,285+585.0% | $4,887+1201.2% |