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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 | $79,750 | $81,276-1.9% | $155,574-48.7% | $80,925-1.5% |
| Participation rate | 73.3% | 66.2%+7.1pp | 78.2%-4.9pp | 67.7%+5.7pp |
| Annual return | 20.01% | 33.36%-13.3pp | 64.87%-44.9pp | 35.65%-15.6pp |
| Employer contribution / active EE | $4,094 | $3,103+31.9% | $4,676-12.4% | $2,756+48.5% |
| Participant deferral / active EE | $3,917 | $3,453+13.4% | $5,629-30.4% | $4,299-8.9% |
| Admin fee / account holder | $1,302 | $7,993-83.7% | $15,914-91.8% | $6,940-81.2% |