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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 | $61,312 | $135,956-54.9% | $123,894-50.5% | $273,972-77.6% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 6.97% | 56.63%-49.7pp | 47.52%-40.6pp | 41.46%-34.5pp |
| Employer contribution / active EE | $3,400 | $5,170-34.2% | $4,617-26.3% | $4,869-30.2% |
| Participant deferral / active EE | $7,089 | $6,343+11.8% | $5,984+18.5% | $5,287+34.1% |
| Admin fee / account holder | $2,401 | $9,817-75.5% | $8,357-71.3% | $10,133-76.3% |