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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 | $112,338 | $58,493+92.1% | $84,021+33.7% | $72,975+53.9% |
| Participation rate | 75.0% | 61.2%+13.8pp | 69.0%+6.0pp | 69.5%+5.5pp |
| Annual return | 17.88% | 28.93%-11.1pp | 71.32%-53.4pp | 81.01%-63.1pp |
| Employer contribution / active EE | $1,312 | $1,163+12.8% | $1,984-33.9% | $2,440-46.2% |
| Participant deferral / active EE | $4,457 | $2,394+86.2% | $3,239+37.6% | $3,608+23.5% |
| Admin fee / account holder | $525 | $4,569-88.5% | $6,102-91.4% | $5,124-89.7% |