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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 | $140,448 | $78,690+78.5% | $161,489-13.0% | $87,485+60.5% |
| Participation rate | 93.3% | 67.5%+25.9pp | 78.7%+14.6pp | 68.9%+24.4pp |
| Annual return | 14.83% | 32.74%-17.9pp | 89.72%-74.9pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,650 | $2,588-36.3% | $4,268-61.3% | $2,596-36.5% |
| Participant deferral / active EE | $3,068 | $3,311-7.3% | $5,630-45.5% | $4,274-28.2% |
| Admin fee / account holder | $1,783 | $6,724-73.5% | $16,006-88.9% | $7,775-77.1% |