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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 | $90,233 | $77,920+15.8% | $149,723-39.7% | $75,177+20.0% |
| Participation rate | 72.9% | 65.6%+7.3pp | 78.8%-5.9pp | 67.2%+5.7pp |
| Annual return | 22.09% | 31.72%-9.6pp | 134.50%-112.4pp | 160.75%-138.7pp |
| Employer contribution / active EE | $2,326 | $3,138-25.9% | $4,821-51.8% | $2,671-12.9% |
| Participant deferral / active EE | $6,155 | $3,411+80.4% | $5,682+8.3% | $4,126+49.2% |
| Admin fee / account holder | $555 | $5,951-90.7% | $13,215-95.8% | $5,651-90.2% |