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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 | $105,764 | $78,423+34.9% | $95,964+10.2% | $79,856+32.4% |
| Participation rate | 93.5% | 73.5%+20.1pp | 77.1%+16.5pp | 69.6%+23.9pp |
| Annual return | 16.23% | 19.37%-3.1pp | 91.64%-75.4pp | 31.71%-15.5pp |
| Employer contribution / active EE | $1,704 | $1,945-12.4% | $2,541-32.9% | $2,471-31.0% |
| Participant deferral / active EE | $5,140 | $3,440+49.4% | $4,167+23.4% | $3,741+37.4% |
| Admin fee / account holder | $3,246 | $5,622-42.3% | $6,797-52.2% | $5,306-38.8% |