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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 | $118,635 | $53,774+120.6% | $134,162-11.6% | $79,852+48.6% |
| Participation rate | 71.4% | 58.8%+12.7pp | 72.2%-0.8pp | 69.6%+1.8pp |
| Annual return | 11.48% | 19.01%-7.5pp | 36.35%-24.9pp | 31.72%-20.2pp |
| Employer contribution / active EE | $2,048 | $1,322+55.0% | $3,705-44.7% | $2,471-17.1% |
| Participant deferral / active EE | $4,333 | $2,420+79.1% | $3,500+23.8% | $3,740+15.9% |
| Admin fee / account holder | $7,300 | $3,985+83.2% | $6,685+9.2% | $5,306+37.6% |