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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 | $66,659 | $90,486-26.3% | $78,676-15.3% | $273,972-75.7% |
| Participation rate | 80.0% | 76.5%+3.5pp | 73.6%+6.4pp | 83.0%-3.0pp |
| Annual return | 9.30% | 75.62%-66.3pp | 62.19%-52.9pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,591 | $3,175-49.9% | $2,850-44.2% | $4,869-67.3% |
| Participant deferral / active EE | $3,905 | $3,901+0.1% | $3,517+11.0% | $5,287-26.1% |
| Admin fee / account holder | $1,663 | $5,263-68.4% | $4,510-63.1% | $10,133-83.6% |