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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 | $85,309 | $101,950-16.3% | $125,529-32.0% | $86,983-1.9% |
| Participation rate | 75.8% | 70.2%+5.6pp | 74.7%+1.1pp | 69.5%+6.2pp |
| Annual return | 16.53% | 18.29%-1.8pp | 202.56%-186.0pp | 25.83%-9.3pp |
| Employer contribution / active EE | $2,807 | $2,358+19.0% | $3,058-8.2% | $2,584+8.6% |
| Participant deferral / active EE | $4,958 | $3,862+28.4% | $4,813+3.0% | $4,194+18.2% |
| Admin fee / account holder | $334 | $12,791-97.4% | $16,298-98.0% | $7,856-95.8% |