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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 | $65,865 | $87,132-24.4% | $105,624-37.6% | $80,959-18.6% |
| Participation rate | 89.7% | 70.4%+19.3pp | 75.3%+14.5pp | 67.7%+22.1pp |
| Annual return | 13.22% | 17.03%-3.8pp | 116.20%-103.0pp | 35.67%-22.4pp |
| Employer contribution / active EE | $2,128 | $2,397-11.2% | $3,168-32.8% | $2,757-22.8% |
| Participant deferral / active EE | $4,104 | $3,985+3.0% | $5,013-18.1% | $4,300-4.6% |
| Admin fee / account holder | $1,918 | $8,449-77.3% | $10,961-82.5% | $6,925-72.3% |