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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 | $140,349 | $81,358+72.5% | $155,556-9.8% | $80,959+73.4% |
| Participation rate | 88.9% | 66.3%+22.6pp | 78.2%+10.7pp | 67.7%+21.2pp |
| Annual return | 11.08% | 33.39%-22.3pp | 64.84%-53.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $2,336 | $3,106-24.8% | $4,675-50.0% | $2,757-15.3% |
| Participant deferral / active EE | $4,870 | $3,455+40.9% | $5,631-13.5% | $4,300+13.2% |
| Admin fee / account holder | $511 | $7,994-93.6% | $15,885-96.8% | $6,925-92.6% |