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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 | $73,709 | $91,559-19.5% | $133,971-45.0% | $79,852-7.7% |
| Participation rate | 74.3% | 73.3%+0.9pp | 79.8%-5.6pp | 69.6%+4.6pp |
| Annual return | 13.65% | 61.85%-48.2pp | 45.09%-31.4pp | 31.72%-18.1pp |
| Employer contribution / active EE | $2,594 | $2,384+8.8% | $3,919-33.8% | $2,471+5.0% |
| Participant deferral / active EE | $4,792 | $3,734+28.4% | $5,047-5.0% | $3,740+28.1% |
| Admin fee / account holder | $2,127 | $6,321-66.3% | $8,929-76.2% | $5,306-59.9% |