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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 | $115,646 | $94,439+22.5% | $73,658+57.0% | $154,746-25.3% |
| Participation rate | 71.4% | 64.7%+6.8pp | 57.0%+14.4pp | 80.7%-9.3pp |
| Annual return | 13.24% | 28.25%-15.0pp | 29.72%-16.5pp | 172.34%-159.1pp |
| Employer contribution / active EE | $1,248 | $1,257-0.7% | $1,032+20.9% | $4,379-71.5% |
| Participant deferral / active EE | $5,479 | $2,527+116.8% | $2,062+165.7% | $6,730-18.6% |
| Admin fee / account holder | $399 | $3,843-89.6% | $3,357-88.1% | $14,365-97.2% |