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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 | $70,524 | $81,331-13.3% | $155,534-54.7% | $80,935-12.9% |
| Participation rate | 73.3% | 66.3%+7.1pp | 78.2%-4.9pp | 67.7%+5.7pp |
| Annual return | 12.36% | 33.37%-21.0pp | 64.92%-52.6pp | 35.66%-23.3pp |
| Employer contribution / active EE | $1,683 | $3,105-45.8% | $4,675-64.0% | $2,757-39.0% |
| Participant deferral / active EE | $3,327 | $3,454-3.7% | $5,630-40.9% | $4,299-22.6% |
| Admin fee / account holder | $2,867 | $7,999-64.2% | $15,900-82.0% | $6,924-58.6% |