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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 | $144,403 | $80,992+78.3% | $96,534+49.6% | $75,173+92.1% |
| Participation rate | 89.7% | 71.8%+18.0pp | 76.0%+13.8pp | 67.2%+22.5pp |
| Annual return | 14.16% | 27.05%-12.9pp | 25.88%-11.7pp | 160.72%-146.6pp |
| Employer contribution / active EE | $1,071 | $2,283-53.1% | $2,965-63.9% | $2,671-59.9% |
| Participant deferral / active EE | $1,844 | $3,929-53.1% | $4,851-62.0% | $4,126-55.3% |
| Admin fee / account holder | $1,120 | $6,717-83.3% | $8,253-86.4% | $5,651-80.2% |