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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 | $81,900 | $101,752-19.5% | $164,928-50.3% | $80,911+1.2% |
| Participation rate | 79.5% | 71.8%+7.7pp | 78.6%+0.9pp | 67.6%+11.9pp |
| Annual return | 13.48% | 16.73%-3.2pp | 70.08%-56.6pp | 35.63%-22.2pp |
| Employer contribution / active EE | $3,007 | $2,953+1.8% | $4,343-30.8% | $2,756+9.1% |
| Participant deferral / active EE | $4,998 | $4,477+11.6% | $6,034-17.2% | $4,297+16.3% |
| Admin fee / account holder | $3,930 | $8,218-52.2% | $12,684-69.0% | $6,935-43.3% |