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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 | $166,352 | $65,364+154.5% | $92,909+79.0% | $72,975+128.0% |
| Participation rate | 90.3% | 68.3%+22.0pp | 76.0%+14.3pp | 69.5%+20.8pp |
| Annual return | 28.83% | 42.11%-13.3pp | 109.44%-80.6pp | 81.01%-52.2pp |
| Employer contribution / active EE | $1,613 | $2,594-37.8% | $3,653-55.9% | $2,440-33.9% |
| Participant deferral / active EE | $4,002 | $3,128+27.9% | $4,238-5.6% | $3,608+10.9% |
| Admin fee / account holder | $1,007 | $4,251-76.3% | $5,795-82.6% | $5,124-80.3% |