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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 | $81,361 | $108,825-25.2% | $156,181-47.9% | $82,448-1.3% |
| Participation rate | 81.1% | 72.4%+8.7pp | 78.8%+2.3pp | 68.1%+13.0pp |
| Annual return | 13.76% | 20.59%-6.8pp | 64.87%-51.1pp | 41.64%-27.9pp |
| Employer contribution / active EE | $3,005 | $2,870+4.7% | $4,294-30.0% | $2,551+17.8% |
| Participant deferral / active EE | $2,924 | $4,577-36.1% | $6,132-52.3% | $4,139-29.4% |
| Admin fee / account holder | $849 | $9,341-90.9% | $14,586-94.2% | $7,234-88.3% |