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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 | $105,061 | $68,880+52.5% | $120,580-12.9% | $80,959+29.8% |
| Participation rate | 90.0% | 61.7%+28.3pp | 72.0%+18.0pp | 67.7%+22.3pp |
| Annual return | 12.07% | 23.68%-11.6pp | 107.48%-95.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,627 | $2,066-21.3% | $3,469-53.1% | $2,757-41.0% |
| Participant deferral / active EE | $7,199 | $3,191+125.6% | $4,995+44.1% | $4,300+67.4% |
| Admin fee / account holder | $2,981 | $5,785-48.5% | $9,418-68.3% | $6,925-57.0% |