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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 | $72,140 | $87,106-17.2% | $105,607-31.7% | $80,935-10.9% |
| Participation rate | 74.3% | 70.4%+3.8pp | 75.3%-1.0pp | 67.7%+6.6pp |
| Annual return | 16.81% | 17.01%-0.2pp | 116.11%-99.3pp | 35.66%-18.9pp |
| Employer contribution / active EE | $2,431 | $2,396+1.4% | $3,167-23.2% | $2,757-11.8% |
| Participant deferral / active EE | $4,812 | $3,986+20.7% | $5,011-4.0% | $4,299+11.9% |
| Admin fee / account holder | $4,988 | $8,447-41.0% | $10,958-54.5% | $6,924-28.0% |