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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 | $131,081 | $91,559+43.2% | $133,978-2.2% | $79,856+64.1% |
| Participation rate | 71.0% | 73.3%-2.4pp | 79.8%-8.9pp | 69.6%+1.3pp |
| Annual return | 11.26% | 61.85%-50.6pp | 45.10%-33.8pp | 31.71%-20.5pp |
| Employer contribution / active EE | $2,834 | $2,384+18.9% | $3,919-27.7% | $2,471+14.7% |
| Participant deferral / active EE | $6,766 | $3,734+81.2% | $5,047+34.0% | $3,741+80.9% |
| Admin fee / account holder | $3,272 | $6,321-48.2% | $8,930-63.4% | $5,306-38.3% |