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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 | $101,798-38.3% | $165,071-62.0% | $80,935-22.4% |
| Participation rate | 77.8% | 71.8%+5.9pp | 78.6%-0.8pp | 67.7%+10.1pp |
| Annual return | 15.38% | 16.73%-1.3pp | 70.17%-54.8pp | 35.66%-20.3pp |
| Employer contribution / active EE | $3,469 | $2,954+17.4% | $4,347-20.2% | $2,757+25.8% |
| Participant deferral / active EE | $7,653 | $4,476+71.0% | $6,035+26.8% | $4,299+78.0% |
| Admin fee / account holder | $16,151 | $8,221+96.5% | $12,695+27.2% | $6,924+133.2% |