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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 | $125,962 | $87,106+44.6% | $105,607+19.3% | $80,935+55.6% |
| Participation rate | 92.0% | 70.4%+21.6pp | 75.3%+16.7pp | 67.7%+24.3pp |
| Annual return | 11.62% | 17.01%-5.4pp | 116.11%-104.5pp | 35.66%-24.0pp |
| Employer contribution / active EE | $934 | $2,396-61.0% | $3,167-70.5% | $2,757-66.1% |
| Participant deferral / active EE | $5,374 | $3,986+34.8% | $5,011+7.2% | $4,299+25.0% |
| Admin fee / account holder | $3,139 | $8,447-62.8% | $10,958-71.4% | $6,924-54.7% |