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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 | $139,661 | $69,977+99.6% | $108,582+28.6% | $62,881+122.1% |
| Participation rate | 77.3% | 72.9%+4.4pp | 79.6%-2.3pp | 69.3%+8.0pp |
| Annual return | 13.69% | 10.73%+3.0pp | -51.70%+65.4pp | 20.14%-6.5pp |
| Employer contribution / active EE | $2,776 | $2,135+30.0% | $3,758-26.1% | $2,281+21.7% |
| Participant deferral / active EE | $6,376 | $3,165+101.5% | $4,311+47.9% | $3,203+99.1% |
| Admin fee / account holder | $4,088 | $5,076-19.5% | $7,645-46.5% | $4,296-4.8% |