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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 | $86,749 | $37,446+131.7% | $77,552+11.9% | $79,856+8.6% |
| Participation rate | 80.0% | 41.5%+38.5pp | 54.2%+25.8pp | 69.6%+10.4pp |
| Annual return | 12.12% | 39.76%-27.6pp | 54.82%-42.7pp | 31.71%-19.6pp |
| Employer contribution / active EE | $1,520 | $637+138.6% | $987+54.1% | $2,471-38.5% |
| Participant deferral / active EE | $3,815 | $1,261+202.6% | $1,861+105.0% | $3,741+2.0% |
| Admin fee / account holder | $3,007 | $2,506+20.0% | $2,859+5.2% | $5,306-43.3% |