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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 | $78,930 | $57,140+38.1% | $85,240-7.4% | $80,959-2.5% |
| Participation rate | 83.3% | 56.4%+26.9pp | 67.5%+15.8pp | 67.7%+15.7pp |
| Annual return | 12.97% | 21.71%-8.7pp | 66.75%-53.8pp | 35.67%-22.7pp |
| Employer contribution / active EE | $4,610 | $1,802+155.9% | $2,735+68.6% | $2,757+67.2% |
| Participant deferral / active EE | $1,671 | $3,115-46.4% | $4,527-63.1% | $4,300-61.1% |
| Admin fee / account holder | $1,145 | $4,992-77.1% | $6,165-81.4% | $6,925-83.5% |