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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 | $99,363 | $81,276+22.3% | $155,574-36.1% | $80,925+22.8% |
| Participation rate | 72.4% | 66.2%+6.2pp | 78.2%-5.8pp | 67.7%+4.8pp |
| Annual return | 12.00% | 33.36%-21.4pp | 64.87%-52.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $3,086 | $3,103-0.5% | $4,676-34.0% | $2,756+12.0% |
| Participant deferral / active EE | $5,677 | $3,453+64.4% | $5,629+0.8% | $4,299+32.1% |
| Admin fee / account holder | $7,770 | $7,993-2.8% | $15,914-51.2% | $6,940+12.0% |