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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 | $126,394 | $71,215+77.5% | $93,696+34.9% | $80,935+56.2% |
| Participation rate | 94.1% | 60.4%+33.7pp | 68.7%+25.4pp | 67.7%+26.5pp |
| Annual return | 11.32% | 11.27%+0.1pp | 133.74%-122.4pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,031 | $1,565-34.1% | $2,422-57.4% | $2,757-62.6% |
| Participant deferral / active EE | $6,927 | $4,037+71.6% | $4,417+56.8% | $4,299+61.1% |
| Admin fee / account holder | $681 | $6,958-90.2% | $8,287-91.8% | $6,924-90.2% |