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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 | $126,150 | $77,908+61.9% | $149,696-15.7% | $75,173+67.8% |
| Participation rate | 88.5% | 65.6%+22.9pp | 78.8%+9.7pp | 67.2%+21.3pp |
| Annual return | 14.28% | 31.73%-17.4pp | 134.46%-120.2pp | 160.72%-146.4pp |
| Employer contribution / active EE | $2,849 | $3,138-9.2% | $4,821-40.9% | $2,671+6.7% |
| Participant deferral / active EE | $6,239 | $3,411+82.9% | $5,682+9.8% | $4,126+51.2% |
| Admin fee / account holder | $5,056 | $5,950-15.0% | $13,212-61.7% | $5,651-10.5% |