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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 | $122,031 | $78,690+55.1% | $161,489-24.4% | $87,485+39.5% |
| Participation rate | 78.6% | 67.5%+11.1pp | 78.7%-0.1pp | 68.9%+9.6pp |
| Annual return | 17.28% | 32.74%-15.5pp | 89.72%-72.4pp | 26.06%-8.8pp |
| Employer contribution / active EE | $2,151 | $2,588-16.9% | $4,268-49.6% | $2,596-17.1% |
| Participant deferral / active EE | $4,333 | $3,311+30.9% | $5,630-23.0% | $4,274+1.4% |
| Admin fee / account holder | $1,236 | $6,724-81.6% | $16,006-92.3% | $7,775-84.1% |