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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 | $128,714 | $57,590+123.5% | $86,233+49.3% | $82,448+56.1% |
| Participation rate | 80.8% | 57.9%+22.9pp | 69.0%+11.8pp | 68.1%+12.7pp |
| Annual return | 16.05% | 22.41%-6.4pp | 61.39%-45.3pp | 41.64%-25.6pp |
| Employer contribution / active EE | $2,817 | $1,655+70.2% | $2,504+12.5% | $2,551+10.4% |
| Participant deferral / active EE | $6,002 | $3,080+94.9% | $4,559+31.6% | $4,139+45.0% |
| Admin fee / account holder | $2,690 | $4,730-43.1% | $8,342-67.8% | $7,234-62.8% |