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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 | $146,659 | $81,331+80.3% | $155,534-5.7% | $80,935+81.2% |
| Participation rate | 82.1% | 66.3%+15.9pp | 78.2%+3.9pp | 67.7%+14.5pp |
| Annual return | 16.71% | 33.37%-16.7pp | 64.92%-48.2pp | 35.66%-18.9pp |
| Employer contribution / active EE | $1,975 | $3,105-36.4% | $4,675-57.7% | $2,757-28.3% |
| Participant deferral / active EE | $7,036 | $3,454+103.7% | $5,630+25.0% | $4,299+63.6% |
| Admin fee / account holder | $5,089 | $7,999-36.4% | $15,900-68.0% | $6,924-26.5% |