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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 | $95,139 | $49,976+90.4% | $66,674+42.7% | $82,637+15.1% |
| Participation rate | 71.1% | 63.1%+8.0pp | 73.7%-2.6pp | 68.1%+3.0pp |
| Annual return | 13.48% | 39.09%-25.6pp | 321.24%-307.8pp | 53.51%-40.0pp |
| Employer contribution / active EE | $1,027 | $1,988-48.3% | $2,620-60.8% | $2,552-59.8% |
| Participant deferral / active EE | $4,393 | $2,847+54.3% | $4,084+7.6% | $4,126+6.5% |
| Admin fee / account holder | $6,309 | $4,594+37.4% | $5,098+23.8% | $7,339-14.0% |