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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 | $70,875 | $78,428-9.6% | $95,960-26.1% | $79,852-11.2% |
| Participation rate | 78.9% | 73.5%+5.5pp | 77.1%+1.9pp | 69.6%+9.3pp |
| Annual return | 10.74% | 19.37%-8.6pp | 91.63%-80.9pp | 31.72%-21.0pp |
| Employer contribution / active EE | $1,270 | $1,945-34.7% | $2,541-50.0% | $2,471-48.6% |
| Participant deferral / active EE | $4,611 | $3,440+34.1% | $4,167+10.7% | $3,740+23.3% |
| Admin fee / account holder | $3,149 | $5,622-44.0% | $6,797-53.7% | $5,306-40.7% |