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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 | $126,040 | $91,198+38.2% | $178,503-29.4% | $79,856+57.8% |
| Participation rate | 92.9% | 69.2%+23.6pp | 81.9%+10.9pp | 69.6%+23.2pp |
| Annual return | 18.12% | 24.20%-6.1pp | 151.12%-133.0pp | 31.71%-13.6pp |
| Employer contribution / active EE | $3,248 | $3,257-0.3% | $5,011-35.2% | $2,471+31.4% |
| Participant deferral / active EE | $1,943 | $3,237-40.0% | $5,202-62.6% | $3,741-48.1% |
| Admin fee / account holder | $2,796 | $6,748-58.6% | $13,987-80.0% | $5,306-47.3% |