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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 | $130,037 | $67,602+92.4% | $82,312+58.0% | $70,126+85.4% |
| Participation rate | 82.7% | 72.8%+9.9pp | 76.9%+5.8pp | 69.5%+13.2pp |
| Annual return | 21.30% | 21.57%-0.3pp | 25.88%-4.6pp | 73.15%-51.8pp |
| Employer contribution / active EE | $1,271 | $1,755-27.6% | $2,428-47.7% | $2,343-45.7% |
| Participant deferral / active EE | $6,250 | $2,987+109.2% | $3,706+68.6% | $3,332+87.6% |
| Admin fee / account holder | $2,051 | $4,512-54.5% | $5,608-63.4% | $4,645-55.9% |