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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 | $64,920 | $76,407-15.0% | $150,298-56.8% | $82,448-21.3% |
| Participation rate | 76.7% | 66.4%+10.3pp | 77.8%-1.0pp | 68.1%+8.7pp |
| Annual return | 21.09% | 39.99%-18.9pp | 62.79%-41.7pp | 41.64%-20.6pp |
| Employer contribution / active EE | $3,189 | $2,614+22.0% | $4,154-23.2% | $2,551+25.0% |
| Participant deferral / active EE | $5,763 | $3,214+79.3% | $5,453+5.7% | $4,139+39.2% |
| Admin fee / account holder | $663 | $6,352-89.6% | $14,116-95.3% | $7,234-90.8% |