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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 | $120,827 | $81,331+48.6% | $155,534-22.3% | $80,935+49.3% |
| Participation rate | 77.4% | 66.3%+11.2pp | 78.2%-0.8pp | 67.7%+9.8pp |
| Annual return | 13.27% | 33.37%-20.1pp | 64.92%-51.6pp | 35.66%-22.4pp |
| Employer contribution / active EE | $2,780 | $3,105-10.5% | $4,675-40.5% | $2,757+0.8% |
| Participant deferral / active EE | $5,909 | $3,454+71.1% | $5,630+5.0% | $4,299+37.4% |
| Admin fee / account holder | $799 | $7,999-90.0% | $15,900-95.0% | $6,924-88.5% |