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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 | $81,276-16.0% | $155,574-56.1% | $80,925-15.7% |
| Participation rate | 81.8% | 66.2%+15.6pp | 78.2%+3.6pp | 67.7%+14.2pp |
| Annual return | 12.96% | 33.36%-20.4pp | 64.87%-51.9pp | 35.65%-22.7pp |
| Employer contribution / active EE | $4,990 | $3,103+60.8% | $4,676+6.7% | $2,756+81.0% |
| Participant deferral / active EE | $5,048 | $3,453+46.2% | $5,629-10.3% | $4,299+17.4% |
| Admin fee / account holder | $454 | $7,993-94.3% | $15,914-97.1% | $6,940-93.5% |