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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 | $73,187 | $108,825-32.7% | $156,181-53.1% | $82,448-11.2% |
| Participation rate | 75.0% | 72.4%+2.6pp | 78.8%-3.8pp | 68.1%+6.9pp |
| Annual return | 18.40% | 20.59%-2.2pp | 64.87%-46.5pp | 41.64%-23.2pp |
| Employer contribution / active EE | $3,230 | $2,870+12.6% | $4,294-24.8% | $2,551+26.6% |
| Participant deferral / active EE | $6,426 | $4,577+40.4% | $6,132+4.8% | $4,139+55.3% |
| Admin fee / account holder | $8,862 | $9,341-5.1% | $14,586-39.2% | $7,234+22.5% |