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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 | $108,814 | $84,236+29.2% | $170,435-36.2% | $70,126+55.2% |
| Participation rate | 81.3% | 70.8%+10.4pp | 83.6%-2.3pp | 69.5%+11.7pp |
| Annual return | 17.02% | 23.06%-6.0pp | 205.94%-188.9pp | 73.15%-56.1pp |
| Employer contribution / active EE | $2,301 | $3,387-32.1% | $5,432-57.6% | $2,343-1.8% |
| Participant deferral / active EE | $6,156 | $3,086+99.5% | $4,939+24.6% | $3,332+84.8% |
| Admin fee / account holder | $2,616 | $5,698-54.1% | $13,881-81.2% | $4,645-43.7% |