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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 | $131,332 | $65,364+100.9% | $92,909+41.4% | $72,975+80.0% |
| Participation rate | 77.8% | 68.3%+9.5pp | 76.0%+1.8pp | 69.5%+8.3pp |
| Annual return | 20.79% | 42.11%-21.3pp | 109.44%-88.7pp | 81.01%-60.2pp |
| Employer contribution / active EE | $2,098 | $2,594-19.1% | $3,653-42.6% | $2,440-14.0% |
| Participant deferral / active EE | $4,785 | $3,128+52.9% | $4,238+12.9% | $3,608+32.6% |
| Admin fee / account holder | $2,616 | $4,251-38.5% | $5,795-54.9% | $5,124-48.9% |