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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 | $125,423 | $81,358+54.2% | $155,556-19.4% | $80,959+54.9% |
| Participation rate | 83.3% | 66.3%+17.1pp | 78.2%+5.1pp | 67.7%+15.7pp |
| Annual return | 12.60% | 33.39%-20.8pp | 64.84%-52.2pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,215 | $3,106-28.7% | $4,675-52.6% | $2,757-19.7% |
| Participant deferral / active EE | $5,326 | $3,455+54.1% | $5,631-5.4% | $4,300+23.8% |
| Admin fee / account holder | $9,029 | $7,994+12.9% | $15,885-43.2% | $6,925+30.4% |