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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 | $78,690-1.8% | $161,489-52.1% | $87,485-11.7% |
| Participation rate | 87.5% | 67.5%+20.0pp | 78.7%+8.8pp | 68.9%+18.6pp |
| Annual return | 15.85% | 32.74%-16.9pp | 89.72%-73.9pp | 26.06%-10.2pp |
| Employer contribution / active EE | $3,145 | $2,588+21.5% | $4,268-26.3% | $2,596+21.1% |
| Participant deferral / active EE | $4,469 | $3,311+35.0% | $5,630-20.6% | $4,274+4.6% |
| Admin fee / account holder | $3,503 | $6,724-47.9% | $16,006-78.1% | $7,775-54.9% |