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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 | $108,690 | $71,230+52.6% | $93,727+16.0% | $80,959+34.3% |
| Participation rate | 70.9% | 60.4%+10.5pp | 68.7%+2.2pp | 67.7%+3.2pp |
| Annual return | 10.31% | 11.26%-0.9pp | 133.83%-123.5pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,418 | $1,565-9.4% | $2,421-41.4% | $2,757-48.6% |
| Participant deferral / active EE | $4,545 | $4,037+12.6% | $4,417+2.9% | $4,300+5.7% |
| Admin fee / account holder | $6,280 | $6,961-9.8% | $8,292-24.3% | $6,925-9.3% |