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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 | $85,368 | $63,861+33.7% | $104,625-18.4% | $79,852+6.9% |
| Participation rate | 71.2% | 64.9%+6.3pp | 74.1%-2.8pp | 69.6%+1.6pp |
| Annual return | 15.11% | 21.30%-6.2pp | 340.60%-325.5pp | 31.72%-16.6pp |
| Employer contribution / active EE | $2,076 | $1,588+30.7% | $2,681-22.6% | $2,471-16.0% |
| Participant deferral / active EE | $4,488 | $2,693+66.6% | $3,738+20.1% | $3,740+20.0% |
| Admin fee / account holder | $381 | $4,185-90.9% | $6,465-94.1% | $5,306-92.8% |