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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 | $65,561 | $151,427-56.7% | $112,860-41.9% | $154,746-57.6% |
| Participation rate | 80.0% | 69.1%+10.9pp | 66.3%+13.7pp | 80.7%-0.7pp |
| Annual return | 18.91% | 30.95%-12.0pp | 35.26%-16.4pp | 172.34%-153.4pp |
| Employer contribution / active EE | $2,921 | $2,750+6.2% | $2,206+32.4% | $4,379-33.3% |
| Participant deferral / active EE | $8,040 | $4,285+87.6% | $3,493+130.2% | $6,730+19.5% |
| Admin fee / account holder | $1,167 | $7,369-84.2% | $6,841-82.9% | $14,365-91.9% |