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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 | $78,690-0.8% | $161,489-51.6% | $87,485-10.7% |
| Participation rate | 75.7% | 67.5%+8.2pp | 78.7%-3.0pp | 68.9%+6.7pp |
| Annual return | 17.33% | 32.74%-15.4pp | 89.72%-72.4pp | 26.06%-8.7pp |
| Employer contribution / active EE | $4,218 | $2,588+63.0% | $4,268-1.2% | $2,596+62.5% |
| Participant deferral / active EE | $3,725 | $3,311+12.5% | $5,630-33.8% | $4,274-12.8% |
| Admin fee / account holder | $1,820 | $6,724-72.9% | $16,006-88.6% | $7,775-76.6% |