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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 | $135,556 | $71,353+90.0% | $92,805+46.1% | $86,983+55.8% |
| Participation rate | 88.2% | 80.9%+7.4pp | 83.5%+4.7pp | 69.5%+18.7pp |
| Annual return | 17.26% | 44.68%-27.4pp | 31.59%-14.3pp | 25.83%-8.6pp |
| Employer contribution / active EE | $4,383 | $2,468+77.6% | $3,424+28.0% | $2,584+69.6% |
| Participant deferral / active EE | $5,953 | $6,966-14.6% | $8,448-29.5% | $4,194+41.9% |
| Admin fee / account holder | $835 | $6,099-86.3% | $10,911-92.3% | $7,856-89.4% |