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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 | $123,963 | $108,825+13.9% | $156,181-20.6% | $82,448+50.4% |
| Participation rate | 90.0% | 72.4%+17.6pp | 78.8%+11.2pp | 68.1%+21.9pp |
| Annual return | 15.95% | 20.59%-4.6pp | 64.87%-48.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,755 | $2,870-38.9% | $4,294-59.1% | $2,551-31.2% |
| Participant deferral / active EE | $4,040 | $4,577-11.7% | $6,132-34.1% | $4,139-2.4% |
| Admin fee / account holder | $2,242 | $9,341-76.0% | $14,586-84.6% | $7,234-69.0% |