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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 | $208,316 | $81,276+156.3% | $155,574+33.9% | $80,925+157.4% |
| Participation rate | 72.7% | 66.2%+6.5pp | 78.2%-5.5pp | 67.7%+5.1pp |
| Annual return | 12.72% | 33.36%-20.6pp | 64.87%-52.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $3,092 | $3,103-0.4% | $4,676-33.9% | $2,756+12.2% |
| Participant deferral / active EE | $6,270 | $3,453+81.6% | $5,629+11.4% | $4,299+45.9% |
| Admin fee / account holder | $2,923 | $7,993-63.4% | $15,914-81.6% | $6,940-57.9% |