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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 | $152,690 | $78,013+95.7% | $178,449-14.4% | $80,911+88.7% |
| Participation rate | 96.3% | 65.7%+30.6pp | 77.1%+19.2pp | 67.6%+28.6pp |
| Annual return | 14.69% | 18.07%-3.4pp | 27.09%-12.4pp | 35.63%-20.9pp |
| Employer contribution / active EE | $4,097 | $2,287+79.1% | $3,951+3.7% | $2,756+48.7% |
| Participant deferral / active EE | $13,302 | $4,408+201.8% | $6,277+111.9% | $4,297+209.6% |
| Admin fee / account holder | $3,129 | $7,166-56.3% | $10,362-69.8% | $6,935-54.9% |