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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 | $154,728 | $76,407+102.5% | $150,298+2.9% | $82,448+87.7% |
| Participation rate | 72.7% | 66.4%+6.3pp | 77.8%-5.0pp | 68.1%+4.7pp |
| Annual return | 15.02% | 39.99%-25.0pp | 62.79%-47.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $1,869 | $2,614-28.5% | $4,154-55.0% | $2,551-26.7% |
| Participant deferral / active EE | $3,700 | $3,214+15.1% | $5,453-32.1% | $4,139-10.6% |
| Admin fee / account holder | $9,198 | $6,352+44.8% | $14,116-34.8% | $7,234+27.1% |