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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 | $104,981 | $60,442+73.7% | $96,754+8.5% | $87,485+20.0% |
| Participation rate | 87.8% | 58.7%+29.1pp | 70.3%+17.5pp | 68.9%+18.9pp |
| Annual return | 15.72% | 21.97%-6.3pp | 82.04%-66.3pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,345 | $1,691+38.7% | $2,679-12.5% | $2,596-9.7% |
| Participant deferral / active EE | $5,828 | $3,280+77.7% | $4,758+22.5% | $4,274+36.4% |
| Admin fee / account holder | $2,992 | $5,069-41.0% | $8,905-66.4% | $7,775-61.5% |