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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 | $160,893 | $99,032+62.5% | $80,022+101.1% | $135,380+18.8% |
| Participation rate | 85.7% | 78.4%+7.4pp | 75.8%+9.9pp | 82.6%+3.1pp |
| Annual return | 1.27% | 15.39%-14.1pp | 11.22%-10.0pp | 519.81%-518.5pp |
| Employer contribution / active EE | $4,516 | $3,043+48.4% | $2,468+83.0% | $4,779-5.5% |
| Participant deferral / active EE | $11,791 | $4,282+175.4% | $3,686+219.9% | $5,609+110.2% |
| Admin fee / account holder | $4,311 | $10,436-58.7% | $6,521-33.9% | $10,828-60.2% |