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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 | $115,859 | $81,262+42.6% | $155,602-25.5% | $80,911+43.2% |
| Participation rate | 81.5% | 66.2%+15.2pp | 78.2%+3.3pp | 67.6%+13.8pp |
| Annual return | 13.85% | 33.34%-19.5pp | 64.81%-51.0pp | 35.63%-21.8pp |
| Employer contribution / active EE | $942 | $3,102-69.6% | $4,675-79.9% | $2,756-65.8% |
| Participant deferral / active EE | $3,310 | $3,451-4.1% | $5,629-41.2% | $4,297-23.0% |
| Admin fee / account holder | $6,439 | $7,992-19.4% | $15,923-59.6% | $6,935-7.1% |