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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 | $67,730 | $90,400-25.1% | $186,193-63.6% | $87,485-22.6% |
| Participation rate | 86.4% | 66.2%+20.2pp | 77.1%+9.3pp | 68.9%+17.4pp |
| Annual return | 13.89% | 22.15%-8.3pp | 78.03%-64.1pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,986 | $2,170-8.5% | $3,918-49.3% | $2,596-23.5% |
| Participant deferral / active EE | $4,607 | $4,330+6.4% | $6,513-29.3% | $4,274+7.8% |
| Admin fee / account holder | $1,945 | $8,673-77.6% | $11,058-82.4% | $7,775-75.0% |