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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 | $148,810 | $73,978+101.2% | $96,515+54.2% | $75,173+98.0% |
| Participation rate | 81.8% | 66.4%+15.4pp | 74.3%+7.5pp | 67.2%+14.6pp |
| Annual return | 13.74% | 26.72%-13.0pp | 35.73%-22.0pp | 160.72%-147.0pp |
| Employer contribution / active EE | $2,120 | $2,931-27.7% | $3,740-43.3% | $2,671-20.6% |
| Participant deferral / active EE | $4,254 | $3,660+16.2% | $4,880-12.8% | $4,126+3.1% |
| Admin fee / account holder | $1,670 | $5,219-68.0% | $6,735-75.2% | $5,651-70.4% |