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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 | $121,833 | $58,512+108.2% | $84,020+45.0% | $72,983+66.9% |
| Participation rate | 89.7% | 61.2%+28.5pp | 69.0%+20.7pp | 69.5%+20.3pp |
| Annual return | 23.94% | 28.93%-5.0pp | 71.31%-47.4pp | 81.01%-57.1pp |
| Employer contribution / active EE | $5,344 | $1,163+359.5% | $1,984+169.4% | $2,440+119.0% |
| Participant deferral / active EE | $8,674 | $2,394+262.3% | $3,239+167.8% | $3,608+140.4% |
| Admin fee / account holder | $4,893 | $4,569+7.1% | $6,101-19.8% | $5,124-4.5% |