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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 | $110,473 | $71,197+55.2% | $93,669+17.9% | $80,925+36.5% |
| Participation rate | 79.5% | 60.4%+19.1pp | 68.7%+10.8pp | 67.7%+11.8pp |
| Annual return | 13.40% | 11.27%+2.1pp | 133.59%-120.2pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,713 | $1,565+9.5% | $2,424-29.3% | $2,756-37.9% |
| Participant deferral / active EE | $4,146 | $4,036+2.7% | $4,416-6.1% | $4,299-3.6% |
| Admin fee / account holder | $2,679 | $6,959-61.5% | $8,291-67.7% | $6,940-61.4% |