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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 | $138,015 | $77,638+77.8% | $156,551-11.8% | $62,881+119.5% |
| Participation rate | 71.4% | 71.2%+0.2pp | 84.0%-12.6pp | 69.3%+2.1pp |
| Annual return | 7.69% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.5pp |
| Employer contribution / active EE | $2,881 | $3,444-16.3% | $5,501-47.6% | $2,281+26.3% |
| Participant deferral / active EE | $5,053 | $3,046+65.9% | $4,871+3.7% | $3,203+57.8% |
| Admin fee / account holder | $487 | $5,561-91.3% | $13,028-96.3% | $4,296-88.7% |