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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 | $60,199 | $81,358-26.0% | $155,556-61.3% | $80,959-25.6% |
| Participation rate | 77.8% | 66.3%+11.5pp | 78.2%-0.4pp | 67.7%+10.1pp |
| Annual return | 12.22% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,759 | $3,106-43.4% | $4,675-62.4% | $2,757-36.2% |
| Participant deferral / active EE | $3,611 | $3,455+4.5% | $5,631-35.9% | $4,300-16.0% |
| Admin fee / account holder | $1,394 | $7,994-82.6% | $15,885-91.2% | $6,925-79.9% |