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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 | $179,752 | $108,825+65.2% | $156,181+15.1% | $82,448+118.0% |
| Participation rate | 77.8% | 72.4%+5.4pp | 78.8%-1.1pp | 68.1%+9.7pp |
| Annual return | 16.36% | 20.59%-4.2pp | 64.87%-48.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $2,101 | $2,870-26.8% | $4,294-51.1% | $2,551-17.6% |
| Participant deferral / active EE | $3,604 | $4,577-21.3% | $6,132-41.2% | $4,139-12.9% |
| Admin fee / account holder | $3,983 | $9,341-57.4% | $14,586-72.7% | $7,234-44.9% |