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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 | $100,225 | $78,682+27.4% | $109,188-8.2% | $85,851+16.7% |
| Participation rate | 76.0% | 68.3%+7.7pp | 75.9%+0.1pp | 69.3%+6.7pp |
| Annual return | 13.76% | 25.09%-11.3pp | 25.76%-12.0pp | 318.63%-304.9pp |
| Employer contribution / active EE | $2,127 | $2,734-22.2% | $3,723-42.9% | $2,565-17.1% |
| Participant deferral / active EE | $4,579 | $3,468+32.0% | $4,654-1.6% | $3,952+15.8% |
| Admin fee / account holder | $1,585 | $5,470-71.0% | $6,755-76.5% | $6,261-74.7% |