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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 | $110,366 | $73,988+49.2% | $96,538+14.3% | $75,177+46.8% |
| Participation rate | 90.3% | 66.4%+23.9pp | 74.3%+16.0pp | 67.2%+23.1pp |
| Annual return | 17.63% | 26.73%-9.1pp | 35.74%-18.1pp | 160.75%-143.1pp |
| Employer contribution / active EE | $2,687 | $2,930-8.3% | $3,740-28.2% | $2,671+0.6% |
| Participant deferral / active EE | $3,437 | $3,660-6.1% | $4,880-29.6% | $4,126-16.7% |
| Admin fee / account holder | $940 | $5,220-82.0% | $6,737-86.0% | $5,651-83.4% |