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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 | $54,628 | $47,944+13.9% | $67,834-19.5% | $62,881-13.1% |
| Participation rate | 78.1% | 61.1%+17.1pp | 68.8%+9.3pp | 69.3%+8.8pp |
| Annual return | 8.25% | 11.77%-3.5pp | 138.47%-130.2pp | 20.14%-11.9pp |
| Employer contribution / active EE | $2,183 | $1,562+39.8% | $2,403-9.2% | $2,281-4.3% |
| Participant deferral / active EE | $3,947 | $2,247+75.7% | $3,160+24.9% | $3,203+23.2% |
| Admin fee / account holder | $673 | $3,712-81.9% | $4,622-85.4% | $4,296-84.3% |