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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 | $76,138 | $63,354+20.2% | $94,105-19.1% | $82,637-7.9% |
| Participation rate | 82.1% | 63.8%+18.3pp | 71.9%+10.2pp | 68.1%+14.1pp |
| Annual return | 14.57% | 34.36%-19.8pp | 204.55%-190.0pp | 53.51%-38.9pp |
| Employer contribution / active EE | $2,490 | $1,760+41.5% | $2,504-0.6% | $2,552-2.4% |
| Participant deferral / active EE | $4,276 | $2,873+48.8% | $3,881+10.2% | $4,126+3.6% |
| Admin fee / account holder | $431 | $5,073-91.5% | $6,199-93.1% | $7,339-94.1% |