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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 | $73,654 | $91,559-19.6% | $133,971-45.0% | $79,852-7.8% |
| Participation rate | 97.6% | 73.3%+24.3pp | 79.8%+17.8pp | 69.6%+28.0pp |
| Annual return | 15.90% | 61.85%-45.9pp | 45.09%-29.2pp | 31.72%-15.8pp |
| Employer contribution / active EE | $1,984 | $2,384-16.8% | $3,919-49.4% | $2,471-19.7% |
| Participant deferral / active EE | $4,285 | $3,734+14.8% | $5,047-15.1% | $3,740+14.6% |
| Admin fee / account holder | $1,187 | $6,321-81.2% | $8,929-86.7% | $5,306-77.6% |