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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 | $70,564 | $91,559-22.9% | $133,978-47.3% | $79,856-11.6% |
| Participation rate | 84.6% | 73.3%+11.3pp | 79.8%+4.8pp | 69.6%+15.0pp |
| Annual return | 16.34% | 61.85%-45.5pp | 45.10%-28.8pp | 31.71%-15.4pp |
| Employer contribution / active EE | $2,887 | $2,384+21.1% | $3,919-26.3% | $2,471+16.8% |
| Participant deferral / active EE | $3,404 | $3,734-8.8% | $5,047-32.6% | $3,741-9.0% |
| Admin fee / account holder | $3,268 | $6,321-48.3% | $8,930-63.4% | $5,306-38.4% |