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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 | $109,166 | $65,041+67.8% | $90,965+20.0% | $79,858+36.7% |
| Participation rate | 75.0% | 61.6%+13.4pp | 69.0%+6.0pp | 69.6%+5.4pp |
| Annual return | 13.97% | 30.45%-16.5pp | 134.57%-120.6pp | 31.72%-17.7pp |
| Employer contribution / active EE | $1,399 | $1,247+12.2% | $2,122-34.1% | $2,471-43.4% |
| Participant deferral / active EE | $3,396 | $2,512+35.2% | $3,373+0.7% | $3,740-9.2% |
| Admin fee / account holder | $1,179 | $4,536-74.0% | $5,960-80.2% | $5,306-77.8% |