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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 | $73,519 | $101,795-27.8% | $165,100-55.5% | $80,959-9.2% |
| Participation rate | 79.3% | 71.8%+7.5pp | 78.6%+0.7pp | 67.7%+11.6pp |
| Annual return | 11.34% | 16.73%-5.4pp | 70.21%-58.9pp | 35.67%-24.3pp |
| Employer contribution / active EE | $2,214 | $2,954-25.0% | $4,348-49.1% | $2,757-19.7% |
| Participant deferral / active EE | $4,809 | $4,476+7.4% | $6,035-20.3% | $4,300+11.8% |
| Admin fee / account holder | $1,020 | $8,221-87.6% | $12,696-92.0% | $6,925-85.3% |