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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 | $78,090 | $76,407+2.2% | $150,298-48.0% | $82,448-5.3% |
| Participation rate | 75.7% | 66.4%+9.3pp | 77.8%-2.1pp | 68.1%+7.6pp |
| Annual return | 17.33% | 39.99%-22.7pp | 62.79%-45.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $4,218 | $2,614+61.4% | $4,154+1.5% | $2,551+65.4% |
| Participant deferral / active EE | $3,725 | $3,214+15.9% | $5,453-31.7% | $4,139-10.0% |
| Admin fee / account holder | $1,820 | $6,352-71.3% | $14,116-87.1% | $7,234-74.8% |