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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 | $80,638 | $78,423+2.8% | $95,964-16.0% | $79,856+1.0% |
| Participation rate | 75.0% | 73.5%+1.5pp | 77.1%-2.1pp | 69.6%+5.4pp |
| Annual return | 21.16% | 19.37%+1.8pp | 91.64%-70.5pp | 31.71%-10.6pp |
| Employer contribution / active EE | $1,607 | $1,945-17.4% | $2,541-36.7% | $2,471-35.0% |
| Participant deferral / active EE | $3,197 | $3,440-7.1% | $4,167-23.3% | $3,741-14.5% |
| Admin fee / account holder | $1,111 | $5,622-80.2% | $6,797-83.6% | $5,306-79.1% |