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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 | $114,970 | $81,331+41.4% | $155,534-26.1% | $80,935+42.1% |
| Participation rate | 92.6% | 66.3%+26.3pp | 78.2%+14.4pp | 67.7%+24.9pp |
| Annual return | 13.58% | 33.37%-19.8pp | 64.92%-51.3pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,766 | $3,105-43.1% | $4,675-62.2% | $2,757-35.9% |
| Participant deferral / active EE | $6,680 | $3,454+93.4% | $5,630+18.6% | $4,299+55.4% |
| Admin fee / account holder | $1,424 | $7,999-82.2% | $15,900-91.0% | $6,924-79.4% |