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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 | $65,920 | $65,034+1.4% | $90,970-27.5% | $79,856-17.5% |
| Participation rate | 85.0% | 61.6%+23.4pp | 69.0%+16.0pp | 69.6%+15.4pp |
| Annual return | 13.18% | 30.45%-17.3pp | 134.60%-121.4pp | 31.71%-18.5pp |
| Employer contribution / active EE | $1,636 | $1,247+31.1% | $2,122-22.9% | $2,471-33.8% |
| Participant deferral / active EE | $2,688 | $2,512+7.0% | $3,373-20.3% | $3,741-28.1% |
| Admin fee / account holder | $691 | $4,536-84.8% | $5,961-88.4% | $5,306-87.0% |