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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 | $168,499 | $99,875+68.7% | $146,866+14.7% | $86,983+93.7% |
| Participation rate | 87.8% | 75.8%+11.9pp | 82.5%+5.2pp | 69.5%+18.2pp |
| Annual return | 16.12% | 28.10%-12.0pp | 102.85%-86.7pp | 25.83%-9.7pp |
| Employer contribution / active EE | $1,447 | $3,224-55.1% | $4,425-67.3% | $2,584-44.0% |
| Participant deferral / active EE | $8,037 | $6,322+27.1% | $7,759+3.6% | $4,194+91.6% |
| Admin fee / account holder | $28,548 | $7,838+264.2% | $13,620+109.6% | $7,856+263.4% |