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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 | $87,117 | $62,592+39.2% | $85,693+1.7% | $85,856+1.5% |
| Participation rate | 77.8% | 61.1%+16.7pp | 69.9%+7.9pp | 69.3%+8.5pp |
| Annual return | 13.60% | 23.77%-10.2pp | 21.49%-7.9pp | 318.58%-305.0pp |
| Employer contribution / active EE | $2,361 | $1,755+34.5% | $2,618-9.8% | $2,565-8.0% |
| Participant deferral / active EE | $4,505 | $2,802+60.8% | $3,923+14.8% | $3,952+14.0% |
| Admin fee / account holder | $1,177 | $4,643-74.6% | $6,874-82.9% | $6,261-81.2% |