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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 | $81,891 | $81,331+0.7% | $155,534-47.3% | $80,935+1.2% |
| Participation rate | 74.2% | 66.3%+7.9pp | 78.2%-4.0pp | 67.7%+6.5pp |
| Annual return | 16.09% | 33.37%-17.3pp | 64.92%-48.8pp | 35.66%-19.6pp |
| Employer contribution / active EE | $2,423 | $3,105-21.9% | $4,675-48.2% | $2,757-12.1% |
| Participant deferral / active EE | $4,160 | $3,454+20.4% | $5,630-26.1% | $4,299-3.2% |
| Admin fee / account holder | $2,454 | $7,999-69.3% | $15,900-84.6% | $6,924-64.6% |