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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 | $122,822 | $77,358+58.8% | $102,184+20.2% | $87,485+40.4% |
| Participation rate | 78.1% | 78.7%-0.6pp | 82.6%-4.5pp | 68.9%+9.2pp |
| Annual return | 15.05% | 41.11%-26.1pp | 31.58%-16.5pp | 26.06%-11.0pp |
| Employer contribution / active EE | $946 | $2,562-63.1% | $3,594-73.7% | $2,596-63.6% |
| Participant deferral / active EE | $9,392 | $6,753+39.1% | $8,309+13.0% | $4,274+119.8% |
| Admin fee / account holder | $3,843 | $6,809-43.6% | $11,609-66.9% | $7,775-50.6% |