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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 | $78,690-18.8% | $161,489-60.4% | $87,485-26.9% |
| Participation rate | 85.7% | 67.5%+18.2pp | 78.7%+7.0pp | 68.9%+16.8pp |
| Annual return | 17.37% | 32.74%-15.4pp | 89.72%-72.4pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,698 | $2,588+4.2% | $4,268-36.8% | $2,596+3.9% |
| Participant deferral / active EE | $8,849 | $3,311+167.3% | $5,630+57.2% | $4,274+107.1% |
| Admin fee / account holder | $15,830 | $6,724+135.4% | $16,006-1.1% | $7,775+103.6% |