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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 | $81,276+41.3% | $155,574-26.2% | $80,925+41.9% |
| Participation rate | 72.5% | 66.2%+6.3pp | 78.2%-5.7pp | 67.7%+4.8pp |
| Annual return | 12.57% | 33.36%-20.8pp | 64.87%-52.3pp | 35.65%-23.1pp |
| Employer contribution / active EE | $4,132 | $3,103+33.2% | $4,676-11.6% | $2,756+49.9% |
| Participant deferral / active EE | $3,484 | $3,453+0.9% | $5,629-38.1% | $4,299-19.0% |
| Admin fee / account holder | $2,562 | $7,993-68.0% | $15,914-83.9% | $6,940-63.1% |