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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 | $63,908 | $76,407-16.4% | $150,298-57.5% | $82,448-22.5% |
| Participation rate | 85.7% | 66.4%+19.3pp | 77.8%+8.0pp | 68.1%+17.6pp |
| Annual return | 17.37% | 39.99%-22.6pp | 62.79%-45.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,698 | $2,614+3.2% | $4,154-35.1% | $2,551+5.8% |
| Participant deferral / active EE | $8,849 | $3,214+175.3% | $5,453+62.3% | $4,139+113.8% |
| Admin fee / account holder | $15,830 | $6,352+149.2% | $14,116+12.1% | $7,234+118.8% |