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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 | $137,328 | $77,814+76.5% | $158,223-13.2% | $86,983+57.9% |
| Participation rate | 92.3% | 68.4%+23.9pp | 79.2%+13.1pp | 69.5%+22.8pp |
| Annual return | 16.93% | 30.54%-13.6pp | 52.09%-35.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $2,902 | $2,592+12.0% | $4,109-29.4% | $2,584+12.3% |
| Participant deferral / active EE | $5,395 | $3,270+65.0% | $5,467-1.3% | $4,194+28.6% |
| Admin fee / account holder | $1,172 | $5,879-80.1% | $16,047-92.7% | $7,856-85.1% |