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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 | $109,777 | $37,156+195.5% | $83,854+30.9% | $86,983+26.2% |
| Participation rate | 77.8% | 49.1%+28.7pp | 59.1%+18.7pp | 69.5%+8.2pp |
| Annual return | 17.37% | 29.88%-12.5pp | 31.39%-14.0pp | 25.83%-8.5pp |
| Employer contribution / active EE | $2,395 | $661+262.4% | $1,017+135.5% | $2,584-7.3% |
| Participant deferral / active EE | $5,467 | $1,418+285.6% | $2,035+168.7% | $4,194+30.4% |
| Admin fee / account holder | $3,218 | $2,510+28.2% | $3,197+0.7% | $7,856-59.0% |