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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 | $76,851 | $93,598-17.9% | $135,974-43.5% | $75,173+2.2% |
| Participation rate | 90.9% | 75.2%+15.7pp | 81.9%+9.0pp | 67.2%+23.7pp |
| Annual return | 17.31% | 30.89%-13.6pp | 68.30%-51.0pp | 160.72%-143.4pp |
| Employer contribution / active EE | $3,399 | $3,538-3.9% | $4,859-30.0% | $2,671+27.3% |
| Participant deferral / active EE | $4,960 | $6,405-22.6% | $7,760-36.1% | $4,126+20.2% |
| Admin fee / account holder | $483 | $6,978-93.1% | $10,767-95.5% | $5,651-91.4% |