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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 | $67,612 | $81,262-16.8% | $155,602-56.5% | $80,911-16.4% |
| Participation rate | 87.0% | 66.2%+20.7pp | 78.2%+8.8pp | 67.6%+19.3pp |
| Annual return | 15.79% | 33.34%-17.6pp | 64.81%-49.0pp | 35.63%-19.8pp |
| Employer contribution / active EE | $2,301 | $3,102-25.8% | $4,675-50.8% | $2,756-16.5% |
| Participant deferral / active EE | $6,310 | $3,451+82.8% | $5,629+12.1% | $4,297+46.8% |
| Admin fee / account holder | $878 | $7,992-89.0% | $15,923-94.5% | $6,935-87.3% |