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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 | $61,935 | $108,825-43.1% | $156,181-60.3% | $82,448-24.9% |
| Participation rate | 83.9% | 72.4%+11.6pp | 78.8%+5.1pp | 68.1%+15.9pp |
| Annual return | 14.95% | 20.59%-5.6pp | 64.87%-49.9pp | 41.64%-26.7pp |
| Employer contribution / active EE | $2,798 | $2,870-2.5% | $4,294-34.8% | $2,551+9.7% |
| Participant deferral / active EE | $5,588 | $4,577+22.1% | $6,132-8.9% | $4,139+35.0% |
| Admin fee / account holder | $9,302 | $9,341-0.4% | $14,586-36.2% | $7,234+28.6% |