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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 | $108,513 | $91,179+19.0% | $178,499-39.2% | $79,852+35.9% |
| Participation rate | 94.7% | 69.2%+25.5pp | 81.9%+12.8pp | 69.6%+25.1pp |
| Annual return | 16.96% | 24.19%-7.2pp | 151.10%-134.1pp | 31.72%-14.8pp |
| Employer contribution / active EE | $2,780 | $3,256-14.6% | $5,011-44.5% | $2,471+12.5% |
| Participant deferral / active EE | $6,088 | $3,236+88.1% | $5,202+17.0% | $3,740+62.8% |
| Admin fee / account holder | $5,441 | $6,749-19.4% | $13,986-61.1% | $5,306+2.5% |