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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 | $136,751 | $93,345+46.5% | $119,126+14.8% | $87,485+56.3% |
| Participation rate | 86.0% | 68.7%+17.3pp | 75.8%+10.3pp | 68.9%+17.1pp |
| Annual return | 19.15% | 19.08%+0.1pp | 282.11%-263.0pp | 26.06%-6.9pp |
| Employer contribution / active EE | $1,865 | $3,172-41.2% | $4,034-53.8% | $2,596-28.2% |
| Participant deferral / active EE | $4,619 | $4,099+12.7% | $5,318-13.1% | $4,274+8.1% |
| Admin fee / account holder | $1,985 | $8,039-75.3% | $10,693-81.4% | $7,775-74.5% |