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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 | $115,366 | $91,167+26.5% | $178,498-35.4% | $79,858+44.5% |
| Participation rate | 76.7% | 69.2%+7.5pp | 81.9%-5.2pp | 69.6%+7.1pp |
| Annual return | 14.34% | 24.19%-9.9pp | 151.09%-136.8pp | 31.72%-17.4pp |
| Employer contribution / active EE | $1,718 | $3,255-47.2% | $5,011-65.7% | $2,471-30.5% |
| Participant deferral / active EE | $2,404 | $3,236-25.7% | $5,202-53.8% | $3,740-35.7% |
| Admin fee / account holder | $2,666 | $6,747-60.5% | $13,985-80.9% | $5,306-49.8% |