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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 | $118,696 | $70,418+68.6% | $96,570+22.9% | $85,847+38.3% |
| Participation rate | 76.7% | 61.8%+14.9pp | 69.8%+6.8pp | 69.3%+7.3pp |
| Annual return | 19.07% | 18.59%+0.5pp | 37.79%-18.7pp | 318.61%-299.5pp |
| Employer contribution / active EE | $1,213 | $1,413-14.2% | $2,357-48.6% | $2,565-52.7% |
| Participant deferral / active EE | $5,035 | $2,894+74.0% | $3,849+30.8% | $3,952+27.4% |
| Admin fee / account holder | $903 | $4,995-81.9% | $6,182-85.4% | $6,261-85.6% |