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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 | $148,214 | $78,425+89.0% | $95,956+54.5% | $79,858+85.6% |
| Participation rate | 75.0% | 73.5%+1.5pp | 77.1%-2.1pp | 69.6%+5.4pp |
| Annual return | 10.80% | 19.37%-8.6pp | 91.63%-80.8pp | 31.72%-20.9pp |
| Employer contribution / active EE | $2,500 | $1,945+28.5% | $2,541-1.6% | $2,471+1.2% |
| Participant deferral / active EE | $3,523 | $3,440+2.4% | $4,167-15.4% | $3,740-5.8% |
| Admin fee / account holder | $839 | $5,622-85.1% | $6,797-87.6% | $5,306-84.2% |