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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 | $134,522 | $81,331+65.4% | $155,534-13.5% | $80,935+66.2% |
| Participation rate | 85.2% | 66.3%+18.9pp | 78.2%+7.0pp | 67.7%+17.5pp |
| Annual return | 15.48% | 33.37%-17.9pp | 64.92%-49.4pp | 35.66%-20.2pp |
| Employer contribution / active EE | $3,354 | $3,105+8.0% | $4,675-28.3% | $2,757+21.7% |
| Participant deferral / active EE | $5,418 | $3,454+56.8% | $5,630-3.8% | $4,299+26.0% |
| Admin fee / account holder | $1,284 | $7,999-83.9% | $15,900-91.9% | $6,924-81.5% |