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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 | $242,871 | $107,809+125.3% | $97,032+150.3% | $155,188+56.5% |
| Participation rate | 80.0% | 75.5%+4.5pp | 71.6%+8.4pp | 80.8%-0.8pp |
| Annual return | 12.04% | 38.06%-26.0pp | 35.38%-23.3pp | 148.84%-136.8pp |
| Employer contribution / active EE | $1,852 | $2,911-36.4% | $2,629-29.6% | $4,248-56.4% |
| Participant deferral / active EE | $5,526 | $5,129+7.7% | $4,672+18.3% | $6,531-15.4% |
| Admin fee / account holder | $2,903 | $10,717-72.9% | $9,418-69.2% | $14,480-79.9% |