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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 | $128,531 | $63,365+102.8% | $91,994+39.7% | $72,975+76.1% |
| Participation rate | 96.0% | 72.5%+23.5pp | 78.6%+17.4pp | 69.5%+26.5pp |
| Annual return | 21.73% | 35.35%-13.6pp | 69.04%-47.3pp | 81.01%-59.3pp |
| Employer contribution / active EE | $932 | $2,116-55.9% | $3,453-73.0% | $2,440-61.8% |
| Participant deferral / active EE | $8,327 | $4,883+70.5% | $5,924+40.6% | $3,608+130.8% |
| Admin fee / account holder | $20,422 | $4,670+337.3% | $7,744+163.7% | $5,124+298.6% |