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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 | $67,804 | $87,106-22.2% | $105,607-35.8% | $80,935-16.2% |
| Participation rate | 82.8% | 70.4%+12.3pp | 75.3%+7.5pp | 67.7%+15.1pp |
| Annual return | 16.96% | 17.01%-0.1pp | 116.11%-99.2pp | 35.66%-18.7pp |
| Employer contribution / active EE | $1,855 | $2,396-22.6% | $3,167-41.4% | $2,757-32.7% |
| Participant deferral / active EE | $6,264 | $3,986+57.1% | $5,011+25.0% | $4,299+45.7% |
| Admin fee / account holder | $6,147 | $8,447-27.2% | $10,958-43.9% | $6,924-11.2% |