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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 | $97,365 | $59,123+64.7% | $77,183+26.1% | $75,181+29.5% |
| Participation rate | 73.2% | 63.9%+9.3pp | 69.6%+3.6pp | 67.2%+6.0pp |
| Annual return | 18.25% | 26.72%-8.5pp | 37.89%-19.6pp | 160.69%-142.4pp |
| Employer contribution / active EE | $2,314 | $1,996+16.0% | $2,534-8.7% | $2,671-13.4% |
| Participant deferral / active EE | $6,559 | $2,999+118.7% | $3,833+71.1% | $4,126+59.0% |
| Admin fee / account holder | $490 | $4,776-89.7% | $5,475-91.1% | $5,650-91.3% |