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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 | $131,694 | $81,358+61.9% | $155,556-15.3% | $80,959+62.7% |
| Participation rate | 74.3% | 66.3%+8.0pp | 78.2%-3.9pp | 67.7%+6.6pp |
| Annual return | 11.12% | 33.39%-22.3pp | 64.84%-53.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $2,347 | $3,106-24.4% | $4,675-49.8% | $2,757-14.9% |
| Participant deferral / active EE | $4,005 | $3,455+15.9% | $5,631-28.9% | $4,300-6.9% |
| Admin fee / account holder | $21,649 | $7,994+170.8% | $15,885+36.3% | $6,925+212.6% |