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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 | $114,430 | $84,236+35.8% | $170,435-32.9% | $70,126+63.2% |
| Participation rate | 96.7% | 70.8%+25.8pp | 83.6%+13.1pp | 69.5%+27.1pp |
| Annual return | 12.74% | 23.06%-10.3pp | 205.94%-193.2pp | 73.15%-60.4pp |
| Employer contribution / active EE | $3,861 | $3,387+14.0% | $5,432-28.9% | $2,343+64.8% |
| Participant deferral / active EE | $3,459 | $3,086+12.1% | $4,939-30.0% | $3,332+3.8% |
| Admin fee / account holder | $525 | $5,698-90.8% | $13,881-96.2% | $4,645-88.7% |