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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 | $76,749 | $94,031-18.4% | $115,768-33.7% | $82,448-6.9% |
| Participation rate | 87.8% | 70.4%+17.4pp | 74.4%+13.4pp | 68.1%+19.7pp |
| Annual return | 17.99% | 20.61%-2.6pp | 100.46%-82.5pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,440 | $2,323+5.0% | $2,940-17.0% | $2,551-4.3% |
| Participant deferral / active EE | $3,918 | $3,972-1.3% | $4,917-20.3% | $4,139-5.3% |
| Admin fee / account holder | $1,907 | $10,249-81.4% | $12,439-84.7% | $7,234-73.6% |