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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 | $143,601 | $70,486+103.7% | $100,528+42.8% | $79,852+79.8% |
| Participation rate | 90.4% | 73.6%+16.7pp | 79.4%+11.0pp | 69.6%+20.7pp |
| Annual return | 14.45% | 21.90%-7.4pp | 30.90%-16.4pp | 31.72%-17.3pp |
| Employer contribution / active EE | $1,062 | $2,165-50.9% | $3,419-68.9% | $2,471-57.0% |
| Participant deferral / active EE | $8,225 | $5,182+58.7% | $6,271+31.1% | $3,740+119.9% |
| Admin fee / account holder | $20,252 | $4,480+352.1% | $8,084+150.5% | $5,306+281.7% |