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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 | $62,761 | $93,346-32.8% | $71,796-12.6% | $273,972-77.1% |
| Participation rate | 86.7% | 76.5%+10.1pp | 69.1%+17.6pp | 83.0%+3.7pp |
| Annual return | 8.09% | 130.39%-122.3pp | 78.04%-70.0pp | 41.46%-33.4pp |
| Employer contribution / active EE | $2,036 | $2,733-25.5% | $1,924+5.8% | $4,869-58.2% |
| Participant deferral / active EE | $8,470 | $3,475+143.7% | $2,794+203.1% | $5,287+60.2% |
| Admin fee / account holder | $812 | $6,571-87.6% | $4,815-83.1% | $10,133-92.0% |