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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 | $102,927 | $81,358+26.5% | $155,556-33.8% | $80,959+27.1% |
| Participation rate | 78.9% | 66.3%+12.7pp | 78.2%+0.7pp | 67.7%+11.3pp |
| Annual return | 12.91% | 33.39%-20.5pp | 64.84%-51.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $3,351 | $3,106+7.9% | $4,675-28.3% | $2,757+21.5% |
| Participant deferral / active EE | $3,614 | $3,455+4.6% | $5,631-35.8% | $4,300-16.0% |
| Admin fee / account holder | $3,336 | $7,994-58.3% | $15,885-79.0% | $6,925-51.8% |