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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 | $73,007 | $81,358-10.3% | $155,556-53.1% | $80,959-9.8% |
| Participation rate | 86.9% | 66.3%+20.6pp | 78.2%+8.7pp | 67.7%+19.2pp |
| Annual return | 13.60% | 33.39%-19.8pp | 64.84%-51.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $3,816 | $3,106+22.8% | $4,675-18.4% | $2,757+38.4% |
| Participant deferral / active EE | $3,809 | $3,455+10.2% | $5,631-32.3% | $4,300-11.4% |
| Admin fee / account holder | $5,101 | $7,994-36.2% | $15,885-67.9% | $6,925-26.3% |