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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 | $94,146 | $68,878+36.7% | $120,574-21.9% | $80,935+16.3% |
| Participation rate | 89.7% | 61.7%+28.1pp | 71.9%+17.8pp | 67.7%+22.1pp |
| Annual return | 12.47% | 23.67%-11.2pp | 107.42%-95.0pp | 35.66%-23.2pp |
| Employer contribution / active EE | $2,580 | $2,065+24.9% | $3,471-25.7% | $2,757-6.4% |
| Participant deferral / active EE | $4,567 | $3,189+43.2% | $4,996-8.6% | $4,299+6.2% |
| Admin fee / account holder | $1,892 | $5,782-67.3% | $9,445-80.0% | $6,924-72.7% |