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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 | $110,884 | $95,406+16.2% | $185,849-40.3% | $85,847+29.2% |
| Participation rate | 84.8% | 68.8%+16.1pp | 81.7%+3.1pp | 69.3%+15.5pp |
| Annual return | 15.48% | 23.59%-8.1pp | 122.10%-106.6pp | 318.61%-303.1pp |
| Employer contribution / active EE | $3,376 | $3,314+1.9% | $5,169-34.7% | $2,565+31.6% |
| Participant deferral / active EE | $5,413 | $3,424+58.1% | $5,569-2.8% | $3,952+37.0% |
| Admin fee / account holder | $537 | $7,214-92.6% | $16,244-96.7% | $6,261-91.4% |