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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 | $89,460 | $48,364+85.0% | $71,796+24.6% | $62,881+42.3% |
| Participation rate | 83.3% | 60.6%+22.7pp | 69.1%+14.2pp | 69.3%+14.0pp |
| Annual return | 8.96% | 13.16%-4.2pp | 78.04%-69.1pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,103 | $1,042+5.8% | $1,924-42.7% | $2,281-51.7% |
| Participant deferral / active EE | $3,730 | $2,091+78.3% | $2,794+33.5% | $3,203+16.4% |
| Admin fee / account holder | $1,804 | $3,771-52.2% | $4,815-62.5% | $4,296-58.0% |