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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 | $168,384 | $52,836+218.7% | $105,736+59.2% | $64,173+162.4% |
| Participation rate | 89.3% | 66.5%+22.7pp | 76.3%+13.0pp | 69.6%+19.7pp |
| Annual return | -5.31% | 14.30%-19.6pp | 6.27%-11.6pp | 7.63%-12.9pp |
| Employer contribution / active EE | $3,483 | $1,827+90.6% | $3,268+6.6% | $2,381+46.3% |
| Participant deferral / active EE | $9,215 | $2,545+262.0% | $4,080+125.9% | $3,470+165.6% |
| Admin fee / account holder | $4,210 | $3,959+6.4% | $6,913-39.1% | $4,887-13.9% |