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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 | $109,495 | $65,027+68.4% | $90,970+20.4% | $79,852+37.1% |
| Participation rate | 81.3% | 61.6%+19.6pp | 69.0%+12.2pp | 69.6%+11.6pp |
| Annual return | 26.28% | 30.45%-4.2pp | 134.58%-108.3pp | 31.72%-5.4pp |
| Employer contribution / active EE | $2,274 | $1,247+82.3% | $2,122+7.2% | $2,471-8.0% |
| Participant deferral / active EE | $4,735 | $2,512+88.5% | $3,373+40.4% | $3,740+26.6% |
| Admin fee / account holder | $827 | $4,535-81.8% | $5,960-86.1% | $5,306-84.4% |