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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 | $103,229 | $77,814+32.7% | $158,223-34.8% | $86,983+18.7% |
| Participation rate | 84.4% | 68.4%+16.0pp | 79.2%+5.2pp | 69.5%+14.8pp |
| Annual return | 19.13% | 30.54%-11.4pp | 52.09%-33.0pp | 25.83%-6.7pp |
| Employer contribution / active EE | $1,646 | $2,592-36.5% | $4,109-59.9% | $2,584-36.3% |
| Participant deferral / active EE | $5,263 | $3,270+61.0% | $5,467-3.7% | $4,194+25.5% |
| Admin fee / account holder | $1,549 | $5,879-73.7% | $16,047-90.3% | $7,856-80.3% |