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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 | $143,742 | $61,605+133.3% | $112,273+28.0% | $75,173+91.2% |
| Participation rate | 88.0% | 61.7%+26.3pp | 72.4%+15.6pp | 67.2%+20.8pp |
| Annual return | 13.38% | 28.47%-15.1pp | 30.23%-16.8pp | 160.72%-147.3pp |
| Employer contribution / active EE | $4,043 | $2,015+100.6% | $3,431+17.8% | $2,671+51.4% |
| Participant deferral / active EE | $6,212 | $3,108+99.9% | $4,800+29.4% | $4,126+50.6% |
| Admin fee / account holder | $3,703 | $4,862-23.8% | $7,752-52.2% | $5,651-34.5% |