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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 | $115,343 | $95,406+20.9% | $185,849-37.9% | $85,847+34.4% |
| Participation rate | 70.6% | 68.8%+1.8pp | 81.7%-11.1pp | 69.3%+1.3pp |
| Annual return | 13.51% | 23.59%-10.1pp | 122.10%-108.6pp | 318.61%-305.1pp |
| Employer contribution / active EE | $3,149 | $3,314-5.0% | $5,169-39.1% | $2,565+22.7% |
| Participant deferral / active EE | $8,222 | $3,424+140.2% | $5,569+47.6% | $3,952+108.0% |
| Admin fee / account holder | $5,168 | $7,214-28.4% | $16,244-68.2% | $6,261-17.5% |