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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 | $68,234 | $81,262-16.0% | $155,602-56.1% | $80,911-15.7% |
| Participation rate | 81.8% | 66.2%+15.6pp | 78.2%+3.6pp | 67.6%+14.2pp |
| Annual return | 12.96% | 33.34%-20.4pp | 64.81%-51.9pp | 35.63%-22.7pp |
| Employer contribution / active EE | $4,990 | $3,102+60.9% | $4,675+6.7% | $2,756+81.1% |
| Participant deferral / active EE | $5,048 | $3,451+46.3% | $5,629-10.3% | $4,297+17.5% |
| Admin fee / account holder | $454 | $7,992-94.3% | $15,923-97.2% | $6,935-93.5% |