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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 | $81,233+41.4% | $155,567-26.2% | $80,874+42.0% |
| Participation rate | 72.5% | 66.2%+6.3pp | 78.2%-5.7pp | 67.6%+4.9pp |
| Annual return | 12.57% | 33.33%-20.8pp | 64.74%-52.2pp | 35.62%-23.0pp |
| Employer contribution / active EE | $4,132 | $3,101+33.3% | $4,674-11.6% | $2,756+50.0% |
| Participant deferral / active EE | $3,484 | $3,452+0.9% | $5,628-38.1% | $4,297-18.9% |
| Admin fee / account holder | $2,562 | $7,998-68.0% | $15,916-83.9% | $6,935-63.1% |