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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 | $74,395 | $67,411+10.4% | $91,004-18.3% | $70,126+6.1% |
| Participation rate | 78.6% | 71.4%+7.2pp | 75.6%+3.0pp | 69.5%+9.0pp |
| Annual return | 13.05% | -40.16%+53.2pp | 4.60%+8.4pp | 73.15%-60.1pp |
| Employer contribution / active EE | $1,889 | $1,786+5.8% | $2,456-23.1% | $2,343-19.4% |
| Participant deferral / active EE | $4,296 | $2,823+52.2% | $3,548+21.1% | $3,332+28.9% |
| Admin fee / account holder | $9,177 | $4,236+116.6% | $5,417+69.4% | $4,645+97.5% |