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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 | $114,845 | $81,331+41.2% | $155,534-26.2% | $80,935+41.9% |
| Participation rate | 72.5% | 66.3%+6.2pp | 78.2%-5.7pp | 67.7%+4.8pp |
| Annual return | 12.57% | 33.37%-20.8pp | 64.92%-52.3pp | 35.66%-23.1pp |
| Employer contribution / active EE | $4,132 | $3,105+33.1% | $4,675-11.6% | $2,757+49.9% |
| Participant deferral / active EE | $3,484 | $3,454+0.9% | $5,630-38.1% | $4,299-19.0% |
| Admin fee / account holder | $2,562 | $7,999-68.0% | $15,900-83.9% | $6,924-63.0% |