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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 | $151,055 | $81,358+85.7% | $155,556-2.9% | $80,959+86.6% |
| Participation rate | 92.9% | 66.3%+26.6pp | 78.2%+14.6pp | 67.7%+25.2pp |
| Annual return | 13.64% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $2,746 | $3,106-11.6% | $4,675-41.3% | $2,757-0.4% |
| Participant deferral / active EE | $5,386 | $3,455+55.9% | $5,631-4.3% | $4,300+25.2% |
| Admin fee / account holder | $407 | $7,994-94.9% | $15,885-97.4% | $6,925-94.1% |