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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 | $81,276+62.0% | $155,574-15.3% | $80,925+62.7% |
| Participation rate | 74.3% | 66.2%+8.0pp | 78.2%-3.9pp | 67.7%+6.6pp |
| Annual return | 11.12% | 33.36%-22.2pp | 64.87%-53.7pp | 35.65%-24.5pp |
| Employer contribution / active EE | $2,347 | $3,103-24.3% | $4,676-49.8% | $2,756-14.8% |
| Participant deferral / active EE | $4,005 | $3,453+16.0% | $5,629-28.9% | $4,299-6.8% |
| Admin fee / account holder | $21,649 | $7,993+170.8% | $15,914+36.0% | $6,940+211.9% |