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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 | $113,326 | $79,449+42.6% | $189,558-40.2% | $85,856+32.0% |
| Participation rate | 71.1% | 66.0%+5.1pp | 78.5%-7.4pp | 69.3%+1.7pp |
| Annual return | 20.26% | 18.45%+1.8pp | 64.19%-43.9pp | 318.58%-298.3pp |
| Employer contribution / active EE | $1,315 | $2,081-36.8% | $4,412-70.2% | $2,565-48.7% |
| Participant deferral / active EE | $2,595 | $4,051-35.9% | $6,174-58.0% | $3,952-34.3% |
| Admin fee / account holder | $966 | $5,377-82.0% | $9,809-90.2% | $6,261-84.6% |