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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 | $120,175 | $88,672+35.5% | $105,223+14.2% | $82,448+45.8% |
| Participation rate | 81.8% | 67.9%+13.9pp | 75.0%+6.8pp | 68.1%+13.8pp |
| Annual return | 16.97% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,530 | $3,048-49.8% | $3,689-58.5% | $2,551-40.0% |
| Participant deferral / active EE | $8,020 | $4,036+98.7% | $5,072+58.1% | $4,139+93.7% |
| Admin fee / account holder | $6,039 | $7,146-15.5% | $8,859-31.8% | $7,234-16.5% |