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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 | $106,516 | $47,944+122.2% | $67,834+57.0% | $62,881+69.4% |
| Participation rate | 96.4% | 61.1%+35.4pp | 68.8%+27.6pp | 69.3%+27.1pp |
| Annual return | 5.42% | 11.77%-6.3pp | 138.47%-133.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $3,631 | $1,562+132.4% | $2,403+51.1% | $2,281+59.2% |
| Participant deferral / active EE | $5,405 | $2,247+140.6% | $3,160+71.1% | $3,203+68.8% |
| Admin fee / account holder | $2,156 | $3,712-41.9% | $4,622-53.3% | $4,296-49.8% |