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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 | $134,509 | $93,345+44.1% | $119,126+12.9% | $87,485+53.8% |
| Participation rate | 71.4% | 68.7%+2.7pp | 75.8%-4.3pp | 68.9%+2.5pp |
| Annual return | 13.75% | 19.08%-5.3pp | 282.11%-268.4pp | 26.06%-12.3pp |
| Employer contribution / active EE | $2,447 | $3,172-22.9% | $4,034-39.3% | $2,596-5.8% |
| Participant deferral / active EE | $6,583 | $4,099+60.6% | $5,318+23.8% | $4,274+54.0% |
| Admin fee / account holder | $3,771 | $8,039-53.1% | $10,693-64.7% | $7,775-51.5% |