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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 | $146,653 | $81,358+80.3% | $155,556-5.7% | $80,959+81.1% |
| Participation rate | 93.1% | 66.3%+26.8pp | 78.2%+14.9pp | 67.7%+25.4pp |
| Annual return | 11.28% | 33.39%-22.1pp | 64.84%-53.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $3,422 | $3,106+10.2% | $4,675-26.8% | $2,757+24.1% |
| Participant deferral / active EE | $8,508 | $3,455+146.2% | $5,631+51.1% | $4,300+97.8% |
| Admin fee / account holder | $23,699 | $7,994+196.5% | $15,885+49.2% | $6,925+242.2% |