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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 | $68,613 | $91,559-25.1% | $133,978-48.8% | $79,856-14.1% |
| Participation rate | 86.2% | 73.3%+12.9pp | 79.8%+6.4pp | 69.6%+16.6pp |
| Annual return | 12.64% | 61.85%-49.2pp | 45.10%-32.5pp | 31.71%-19.1pp |
| Employer contribution / active EE | $2,290 | $2,384-3.9% | $3,919-41.6% | $2,471-7.3% |
| Participant deferral / active EE | $4,349 | $3,734+16.5% | $5,047-13.8% | $3,741+16.3% |
| Admin fee / account holder | $2,404 | $6,321-62.0% | $8,930-73.1% | $5,306-54.7% |