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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 | $72,791 | $49,255+47.8% | $70,494+3.3% | $79,856-8.8% |
| Participation rate | 71.8% | 69.2%+2.6pp | 75.1%-3.3pp | 69.6%+2.2pp |
| Annual return | 11.66% | 30.10%-18.4pp | 109.16%-97.5pp | 31.71%-20.1pp |
| Employer contribution / active EE | $1,124 | $2,100-46.5% | $2,738-58.9% | $2,471-54.5% |
| Participant deferral / active EE | $4,509 | $2,768+62.9% | $3,711+21.5% | $3,741+20.5% |
| Admin fee / account holder | $5,276 | $2,879+83.2% | $3,848+37.1% | $5,306-0.6% |