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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 | $105,387 | $70,418+49.7% | $96,570+9.1% | $85,847+22.8% |
| Participation rate | 85.7% | 61.8%+23.9pp | 69.8%+15.9pp | 69.3%+16.4pp |
| Annual return | 11.99% | 18.59%-6.6pp | 37.79%-25.8pp | 318.61%-306.6pp |
| Employer contribution / active EE | $2,058 | $1,413+45.6% | $2,357-12.7% | $2,565-19.8% |
| Participant deferral / active EE | $4,048 | $2,894+39.9% | $3,849+5.2% | $3,952+2.4% |
| Admin fee / account holder | $802 | $4,995-83.9% | $6,182-87.0% | $6,261-87.2% |