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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 | $87,290 | $91,559-4.7% | $133,959-34.8% | $79,858+9.3% |
| Participation rate | 96.0% | 73.3%+22.7pp | 79.8%+16.2pp | 69.6%+26.4pp |
| Annual return | 15.75% | 61.85%-46.1pp | 45.09%-29.3pp | 31.72%-16.0pp |
| Employer contribution / active EE | $1,349 | $2,384-43.4% | $3,919-65.6% | $2,471-45.4% |
| Participant deferral / active EE | $2,878 | $3,734-22.9% | $5,047-43.0% | $3,740-23.0% |
| Admin fee / account holder | $986 | $6,321-84.4% | $8,928-89.0% | $5,306-81.4% |