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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 | $133,603 | $94,031+42.1% | $115,768+15.4% | $82,448+62.0% |
| Participation rate | 74.2% | 70.4%+3.8pp | 74.4%-0.2pp | 68.1%+6.1pp |
| Annual return | 12.35% | 20.61%-8.3pp | 100.46%-88.1pp | 41.64%-29.3pp |
| Employer contribution / active EE | $1,264 | $2,323-45.6% | $2,940-57.0% | $2,551-50.5% |
| Participant deferral / active EE | $3,437 | $3,972-13.5% | $4,917-30.1% | $4,139-17.0% |
| Admin fee / account holder | $4,361 | $10,249-57.4% | $12,439-64.9% | $7,234-39.7% |