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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 | $62,766 | $101,752-38.3% | $164,928-61.9% | $80,911-22.4% |
| Participation rate | 77.8% | 71.8%+5.9pp | 78.6%-0.8pp | 67.6%+10.1pp |
| Annual return | 15.38% | 16.73%-1.3pp | 70.08%-54.7pp | 35.63%-20.3pp |
| Employer contribution / active EE | $3,469 | $2,953+17.5% | $4,343-20.1% | $2,756+25.9% |
| Participant deferral / active EE | $7,653 | $4,477+70.9% | $6,034+26.8% | $4,297+78.1% |
| Admin fee / account holder | $16,151 | $8,218+96.5% | $12,684+27.3% | $6,935+132.9% |