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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 | $123,195 | $57,541+114.1% | $95,740+28.7% | $75,173+63.9% |
| Participation rate | 79.3% | 62.5%+16.8pp | 72.3%+7.0pp | 67.2%+12.1pp |
| Annual return | 19.55% | 34.93%-15.4pp | 28.41%-8.9pp | 160.72%-141.2pp |
| Employer contribution / active EE | $2,009 | $1,808+11.1% | $2,836-29.2% | $2,671-24.8% |
| Participant deferral / active EE | $4,914 | $3,074+59.8% | $4,244+15.8% | $4,126+19.1% |
| Admin fee / account holder | $3,545 | $4,099-13.5% | $5,676-37.5% | $5,651-37.3% |