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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 | $83,622 | $65,395+27.9% | $182,531-54.2% | $72,983+14.6% |
| Participation rate | 88.0% | 65.4%+22.6pp | 78.0%+10.0pp | 69.5%+18.5pp |
| Annual return | 20.55% | 27.68%-7.1pp | 148.57%-128.0pp | 81.01%-60.5pp |
| Employer contribution / active EE | $2,666 | $1,911+39.5% | $4,075-34.6% | $2,440+9.3% |
| Participant deferral / active EE | $5,967 | $3,563+67.5% | $5,525+8.0% | $3,608+65.4% |
| Admin fee / account holder | $2,946 | $4,245-30.6% | $8,593-65.7% | $5,124-42.5% |