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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 | $114,253 | $54,541+109.5% | $78,778+45.0% | $70,124+62.9% |
| Participation rate | 85.7% | 60.8%+24.9pp | 69.2%+16.5pp | 69.5%+16.2pp |
| Annual return | 13.68% | 21.07%-7.4pp | 35.62%-21.9pp | 73.14%-59.5pp |
| Employer contribution / active EE | $1,524 | $1,089+40.0% | $1,986-23.3% | $2,342-35.0% |
| Participant deferral / active EE | $4,010 | $2,210+81.4% | $2,958+35.5% | $3,332+20.3% |
| Admin fee / account holder | $3,689 | $3,709-0.5% | $5,134-28.1% | $4,645-20.6% |