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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 | $89,136 | $65,364+36.4% | $92,909-4.1% | $72,975+22.1% |
| Participation rate | 81.4% | 68.3%+13.1pp | 76.0%+5.4pp | 69.5%+11.9pp |
| Annual return | 18.78% | 42.11%-23.3pp | 109.44%-90.7pp | 81.01%-62.2pp |
| Employer contribution / active EE | $2,524 | $2,594-2.7% | $3,653-30.9% | $2,440+3.4% |
| Participant deferral / active EE | $5,338 | $3,128+70.6% | $4,238+26.0% | $3,608+48.0% |
| Admin fee / account holder | $752 | $4,251-82.3% | $5,795-87.0% | $5,124-85.3% |