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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 | $116,645 | $65,395+78.4% | $182,540-36.1% | $72,975+59.8% |
| Participation rate | 87.9% | 65.4%+22.4pp | 78.0%+9.9pp | 69.5%+18.4pp |
| Annual return | 20.99% | 27.68%-6.7pp | 148.58%-127.6pp | 81.01%-60.0pp |
| Employer contribution / active EE | $1,717 | $1,911-10.2% | $4,076-57.9% | $2,440-29.6% |
| Participant deferral / active EE | $6,536 | $3,563+83.5% | $5,525+18.3% | $3,608+81.2% |
| Admin fee / account holder | $6,497 | $4,245+53.1% | $8,593-24.4% | $5,124+26.8% |