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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 | $65,776 | $86,294-23.8% | $111,303-40.9% | $85,856-23.4% |
| Participation rate | 76.0% | 73.3%+2.7pp | 77.3%-1.3pp | 69.3%+6.7pp |
| Annual return | 19.33% | 19.99%-0.7pp | 54.66%-35.3pp | 318.58%-299.2pp |
| Employer contribution / active EE | $2,774 | $2,043+35.7% | $2,731+1.6% | $2,565+8.1% |
| Participant deferral / active EE | $6,072 | $3,641+66.8% | $4,487+35.3% | $3,952+53.6% |
| Admin fee / account holder | $1,794 | $8,189-78.1% | $7,966-77.5% | $6,261-71.3% |