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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 | $110,588 | $77,908+41.9% | $149,696-26.1% | $75,173+47.1% |
| Participation rate | 79.3% | 65.6%+13.7pp | 78.8%+0.5pp | 67.2%+12.1pp |
| Annual return | 16.75% | 31.73%-15.0pp | 134.46%-117.7pp | 160.72%-144.0pp |
| Employer contribution / active EE | $2,456 | $3,138-21.7% | $4,821-49.1% | $2,671-8.0% |
| Participant deferral / active EE | $5,290 | $3,411+55.1% | $5,682-6.9% | $4,126+28.2% |
| Admin fee / account holder | $7,872 | $5,950+32.3% | $13,212-40.4% | $5,651+39.3% |