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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 | $122,995 | $77,901+57.9% | $149,717-17.8% | $75,181+63.6% |
| Participation rate | 84.4% | 65.6%+18.8pp | 78.8%+5.6pp | 67.2%+17.2pp |
| Annual return | 21.81% | 31.73%-9.9pp | 134.41%-112.6pp | 160.69%-138.9pp |
| Employer contribution / active EE | $4,076 | $3,137+29.9% | $4,820-15.4% | $2,671+52.6% |
| Participant deferral / active EE | $6,145 | $3,411+80.2% | $5,682+8.2% | $4,126+48.9% |
| Admin fee / account holder | $2,483 | $5,949-58.3% | $13,213-81.2% | $5,650-56.0% |