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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 | $119,383 | $103,949+14.8% | $69,182+72.6% | $273,972-56.4% |
| Participation rate | 90.9% | 67.4%+23.5pp | 55.1%+35.8pp | 83.0%+7.9pp |
| Annual return | 7.51% | 35.28%-27.8pp | -21.93%+29.4pp | 41.46%-33.9pp |
| Employer contribution / active EE | $1,704 | $1,783-4.4% | $1,206+41.3% | $4,869-65.0% |
| Participant deferral / active EE | $3,510 | $2,716+29.2% | $1,897+85.0% | $5,287-33.6% |
| Admin fee / account holder | $20,325 | $3,671+453.7% | $2,697+653.7% | $10,133+100.6% |