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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 | $106,845 | $65,361+63.5% | $92,903+15.0% | $72,983+46.4% |
| Participation rate | 71.4% | 68.3%+3.1pp | 76.0%-4.6pp | 69.5%+1.9pp |
| Annual return | 21.06% | 42.11%-21.0pp | 109.43%-88.4pp | 81.01%-60.0pp |
| Employer contribution / active EE | $2,783 | $2,594+7.3% | $3,653-23.8% | $2,440+14.1% |
| Participant deferral / active EE | $4,067 | $3,128+30.0% | $4,238-4.0% | $3,608+12.7% |
| Admin fee / account holder | $2,846 | $4,251-33.0% | $5,795-50.9% | $5,124-44.5% |