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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 | $132,484 | $84,236+57.3% | $170,435-22.3% | $70,126+88.9% |
| Participation rate | 82.0% | 70.8%+11.2pp | 83.6%-1.6pp | 69.5%+12.5pp |
| Annual return | 16.32% | 23.06%-6.7pp | 205.94%-189.6pp | 73.15%-56.8pp |
| Employer contribution / active EE | $2,560 | $3,387-24.4% | $5,432-52.9% | $2,343+9.3% |
| Participant deferral / active EE | $4,821 | $3,086+56.2% | $4,939-2.4% | $3,332+44.7% |
| Admin fee / account holder | $3,197 | $5,698-43.9% | $13,881-77.0% | $4,645-31.2% |