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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 | $128,310 | $86,298+48.7% | $111,308+15.3% | $85,847+49.5% |
| Participation rate | 76.9% | 73.3%+3.6pp | 77.3%-0.4pp | 69.3%+7.6pp |
| Annual return | 13.55% | 19.99%-6.4pp | 54.67%-41.1pp | 318.61%-305.1pp |
| Employer contribution / active EE | $1,558 | $2,044-23.7% | $2,732-43.0% | $2,565-39.3% |
| Participant deferral / active EE | $4,292 | $3,641+17.9% | $4,487-4.3% | $3,952+8.6% |
| Admin fee / account holder | $3,003 | $8,189-63.3% | $7,965-62.3% | $6,261-52.0% |