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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 | $113,696 | $96,508+17.8% | $75,901+49.8% | $152,897-25.6% |
| Participation rate | 84.2% | 76.2%+8.0pp | 69.3%+14.9pp | 82.5%+1.8pp |
| Annual return | 24.22% | 33.99%-9.8pp | 30.76%-6.5pp | 345.43%-321.2pp |
| Employer contribution / active EE | $2,238 | $3,310-32.4% | $2,501-10.5% | $4,764-53.0% |
| Participant deferral / active EE | $4,252 | $4,554-6.6% | $3,603+18.0% | $5,851-27.3% |
| Admin fee / account holder | $2,224 | $8,081-72.5% | $5,420-59.0% | $11,599-80.8% |