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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 | $137,876 | $94,031+46.6% | $115,768+19.1% | $82,448+67.2% |
| Participation rate | 72.1% | 70.4%+1.7pp | 74.4%-2.3pp | 68.1%+4.0pp |
| Annual return | 16.95% | 20.61%-3.7pp | 100.46%-83.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,558 | $2,323+10.1% | $2,940-13.0% | $2,551+0.3% |
| Participant deferral / active EE | $6,662 | $3,972+67.7% | $4,917+35.5% | $4,139+60.9% |
| Admin fee / account holder | $2,704 | $10,249-73.6% | $12,439-78.3% | $7,234-62.6% |