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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 | $77,795 | $65,367+19.0% | $92,915-16.3% | $72,976+6.6% |
| Participation rate | 87.8% | 68.3%+19.5pp | 76.0%+11.8pp | 69.5%+18.3pp |
| Annual return | 17.02% | 42.11%-25.1pp | 109.45%-92.4pp | 81.02%-64.0pp |
| Employer contribution / active EE | $1,359 | $2,594-47.6% | $3,653-62.8% | $2,440-44.3% |
| Participant deferral / active EE | $5,487 | $3,128+75.4% | $4,238+29.5% | $3,608+52.1% |
| Admin fee / account holder | $4,075 | $4,251-4.1% | $5,796-29.7% | $5,124-20.5% |