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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 | $81,276+85.9% | $155,574-2.9% | $80,925+86.7% |
| Participation rate | 92.9% | 66.2%+26.6pp | 78.2%+14.6pp | 67.7%+25.2pp |
| Annual return | 13.64% | 33.36%-19.7pp | 64.87%-51.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,746 | $3,103-11.5% | $4,676-41.3% | $2,756-0.4% |
| Participant deferral / active EE | $5,386 | $3,453+56.0% | $5,629-4.3% | $4,299+25.3% |
| Admin fee / account holder | $407 | $7,993-94.9% | $15,914-97.4% | $6,940-94.1% |