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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 | $69,669 | $81,358-14.4% | $155,556-55.2% | $80,959-13.9% |
| Participation rate | 85.7% | 66.3%+19.4pp | 78.2%+7.5pp | 67.7%+18.0pp |
| Annual return | 10.78% | 33.39%-22.6pp | 64.84%-54.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,816 | $3,106-41.5% | $4,675-61.2% | $2,757-34.1% |
| Participant deferral / active EE | $3,314 | $3,455-4.1% | $5,631-41.1% | $4,300-22.9% |
| Admin fee / account holder | $6,300 | $7,994-21.2% | $15,885-60.3% | $6,925-9.0% |