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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 | $85,575 | $101,798-15.9% | $165,071-48.2% | $80,935+5.7% |
| Participation rate | 85.7% | 71.8%+13.9pp | 78.6%+7.1pp | 67.7%+18.1pp |
| Annual return | 16.07% | 16.73%-0.7pp | 70.17%-54.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $4,231 | $2,954+43.2% | $4,347-2.7% | $2,757+53.5% |
| Participant deferral / active EE | $6,762 | $4,476+51.1% | $6,035+12.0% | $4,299+57.3% |
| Admin fee / account holder | $2,477 | $8,221-69.9% | $12,695-80.5% | $6,924-64.2% |