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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 | $72,326 | $101,763-28.9% | $164,866-56.1% | $80,874-10.6% |
| Participation rate | 77.8% | 71.8%+6.0pp | 78.6%-0.8pp | 67.6%+10.1pp |
| Annual return | 13.31% | 16.73%-3.4pp | 69.97%-56.7pp | 35.62%-22.3pp |
| Employer contribution / active EE | $1,851 | $2,954-37.4% | $4,343-57.4% | $2,756-32.8% |
| Participant deferral / active EE | $5,372 | $4,477+20.0% | $6,033-11.0% | $4,297+25.0% |
| Admin fee / account holder | $2,153 | $8,228-73.8% | $12,689-83.0% | $6,935-69.0% |