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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 | $136,268 | $73,988+84.2% | $96,538+41.2% | $75,177+81.3% |
| Participation rate | 88.6% | 66.4%+22.1pp | 74.3%+14.2pp | 67.2%+21.4pp |
| Annual return | 13.24% | 26.73%-13.5pp | 35.74%-22.5pp | 160.75%-147.5pp |
| Employer contribution / active EE | $2,387 | $2,930-18.5% | $3,740-36.2% | $2,671-10.6% |
| Participant deferral / active EE | $5,103 | $3,660+39.4% | $4,880+4.6% | $4,126+23.7% |
| Admin fee / account holder | $2,977 | $5,220-43.0% | $6,737-55.8% | $5,651-47.3% |