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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 | $69,696 | $78,425-11.1% | $95,956-27.4% | $79,858-12.7% |
| Participation rate | 85.7% | 73.5%+12.2pp | 77.1%+8.6pp | 69.6%+16.1pp |
| Annual return | 11.89% | 19.37%-7.5pp | 91.63%-79.7pp | 31.72%-19.8pp |
| Employer contribution / active EE | $1,662 | $1,945-14.6% | $2,541-34.6% | $2,471-32.7% |
| Participant deferral / active EE | $2,775 | $3,440-19.3% | $4,167-33.4% | $3,740-25.8% |
| Admin fee / account holder | $5,921 | $5,622+5.3% | $6,797-12.9% | $5,306+11.6% |