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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 | $97,277 | $77,814+25.0% | $158,223-38.5% | $86,983+11.8% |
| Participation rate | 73.3% | 68.4%+4.9pp | 79.2%-5.9pp | 69.5%+3.8pp |
| Annual return | 19.15% | 30.54%-11.4pp | 52.09%-32.9pp | 25.83%-6.7pp |
| Employer contribution / active EE | $2,719 | $2,592+4.9% | $4,109-33.8% | $2,584+5.2% |
| Participant deferral / active EE | $4,136 | $3,270+26.5% | $5,467-24.3% | $4,194-1.4% |
| Admin fee / account holder | $2,796 | $5,879-52.4% | $16,047-82.6% | $7,856-64.4% |