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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 | $129,428 | $57,061+126.8% | $85,063+52.2% | $80,911+60.0% |
| Participation rate | 90.3% | 56.3%+34.0pp | 67.5%+22.8pp | 67.6%+22.7pp |
| Annual return | 10.53% | 21.66%-11.1pp | 66.54%-56.0pp | 35.63%-25.1pp |
| Employer contribution / active EE | $3,630 | $1,799+101.8% | $2,727+33.1% | $2,756+31.7% |
| Participant deferral / active EE | $6,019 | $3,110+93.5% | $4,523+33.1% | $4,297+40.1% |
| Admin fee / account holder | $2,461 | $4,986-50.6% | $6,155-60.0% | $6,935-64.5% |