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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 | $70,588 | $93,589-24.6% | $135,942-48.1% | $75,181-6.1% |
| Participation rate | 84.6% | 75.2%+9.4pp | 81.9%+2.7pp | 67.2%+17.4pp |
| Annual return | 17.44% | 30.90%-13.5pp | 68.28%-50.8pp | 160.69%-143.2pp |
| Employer contribution / active EE | $4,564 | $3,537+29.0% | $4,858-6.0% | $2,671+70.9% |
| Participant deferral / active EE | $5,617 | $6,405-12.3% | $7,759-27.6% | $4,126+36.1% |
| Admin fee / account holder | $3,032 | $6,977-56.5% | $10,764-71.8% | $5,650-46.3% |