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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 | $80,390 | $101,795-21.0% | $165,100-51.3% | $80,959-0.7% |
| Participation rate | 89.0% | 71.8%+17.2pp | 78.6%+10.4pp | 67.7%+21.3pp |
| Annual return | 64.72% | 16.73%+48.0pp | 70.21%-5.5pp | 35.67%+29.1pp |
| Employer contribution / active EE | $2,139 | $2,954-27.6% | $4,348-50.8% | $2,757-22.4% |
| Participant deferral / active EE | $4,228 | $4,476-5.5% | $6,035-29.9% | $4,300-1.7% |
| Admin fee / account holder | $8,390 | $8,221+2.1% | $12,696-33.9% | $6,925+21.1% |