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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 | $78,175 | $81,262-3.8% | $155,602-49.8% | $80,911-3.4% |
| Participation rate | 76.1% | 66.2%+9.8pp | 78.2%-2.1pp | 67.6%+8.4pp |
| Annual return | 15.37% | 33.34%-18.0pp | 64.81%-49.4pp | 35.63%-20.3pp |
| Employer contribution / active EE | $1,907 | $3,102-38.5% | $4,675-59.2% | $2,756-30.8% |
| Participant deferral / active EE | $5,630 | $3,451+63.1% | $5,6290% | $4,297+31.0% |
| Admin fee / account holder | $518 | $7,992-93.5% | $15,923-96.7% | $6,935-92.5% |