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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 | $141,913 | $65,712+116.0% | $57,196+148.1% | $273,972-48.2% |
| Participation rate | 94.7% | 78.3%+16.4pp | 75.3%+19.4pp | 83.0%+11.7pp |
| Annual return | 1.54% | 22.01%-20.5pp | 14.59%-13.1pp | 41.46%-39.9pp |
| Employer contribution / active EE | $3,972 | $3,280+21.1% | $2,683+48.1% | $4,869-18.4% |
| Participant deferral / active EE | $5,244 | $3,782+38.7% | $3,096+69.4% | $5,287-0.8% |
| Admin fee / account holder | $8,628 | $4,838+78.3% | $3,141+174.7% | $10,133-14.9% |