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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 | $114,964 | $68,586+67.6% | $120,380-4.5% | $80,911+42.1% |
| Participation rate | 81.1% | 61.6%+19.6pp | 71.9%+9.2pp | 67.6%+13.5pp |
| Annual return | 16.01% | 23.62%-7.6pp | 107.28%-91.3pp | 35.63%-19.6pp |
| Employer contribution / active EE | $3,149 | $2,053+53.4% | $3,465-9.1% | $2,756+14.3% |
| Participant deferral / active EE | $6,853 | $3,174+115.9% | $4,992+37.3% | $4,297+59.5% |
| Admin fee / account holder | $21,920 | $5,733+282.3% | $9,421+132.7% | $6,935+216.1% |