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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 | $77,280 | $76,407+1.1% | $150,298-48.6% | $82,448-6.3% |
| Participation rate | 87.5% | 66.4%+21.1pp | 77.8%+9.7pp | 68.1%+19.4pp |
| Annual return | 15.85% | 39.99%-24.1pp | 62.79%-46.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $3,145 | $2,614+20.3% | $4,154-24.3% | $2,551+23.3% |
| Participant deferral / active EE | $4,469 | $3,214+39.0% | $5,453-18.0% | $4,139+8.0% |
| Admin fee / account holder | $3,503 | $6,352-44.9% | $14,116-75.2% | $7,234-51.6% |