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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 | $87,508 | $81,276+7.7% | $155,574-43.8% | $80,925+8.1% |
| Participation rate | 80.8% | 66.2%+14.5pp | 78.2%+2.6pp | 67.7%+13.1pp |
| Annual return | 10.77% | 33.36%-22.6pp | 64.87%-54.1pp | 35.65%-24.9pp |
| Employer contribution / active EE | $2,380 | $3,103-23.3% | $4,676-49.1% | $2,756-13.6% |
| Participant deferral / active EE | $6,170 | $3,453+78.7% | $5,629+9.6% | $4,299+43.5% |
| Admin fee / account holder | $648 | $7,993-91.9% | $15,914-95.9% | $6,940-90.7% |