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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 | $101,665 | $81,262+25.1% | $155,602-34.7% | $80,911+25.7% |
| Participation rate | 81.8% | 66.2%+15.6pp | 78.2%+3.6pp | 67.6%+14.2pp |
| Annual return | 12.43% | 33.34%-20.9pp | 64.81%-52.4pp | 35.63%-23.2pp |
| Employer contribution / active EE | $3,198 | $3,102+3.1% | $4,675-31.6% | $2,756+16.0% |
| Participant deferral / active EE | $5,518 | $3,451+59.9% | $5,629-2.0% | $4,297+28.4% |
| Admin fee / account holder | $11,707 | $7,992+46.5% | $15,923-26.5% | $6,935+68.8% |