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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 | $81,358-16.1% | $155,556-56.1% | $80,959-15.7% |
| Participation rate | 81.8% | 66.3%+15.6pp | 78.2%+3.6pp | 67.7%+14.2pp |
| Annual return | 12.96% | 33.39%-20.4pp | 64.84%-51.9pp | 35.67%-22.7pp |
| Employer contribution / active EE | $4,990 | $3,106+60.6% | $4,675+6.7% | $2,757+81.0% |
| Participant deferral / active EE | $5,048 | $3,455+46.1% | $5,631-10.3% | $4,300+17.4% |
| Admin fee / account holder | $454 | $7,994-94.3% | $15,885-97.1% | $6,925-93.4% |