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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 | $70,119 | $93,598-25.1% | $135,974-48.4% | $75,173-6.7% |
| Participation rate | 93.0% | 75.2%+17.8pp | 81.9%+11.1pp | 67.2%+25.8pp |
| Annual return | 15.91% | 30.89%-15.0pp | 68.30%-52.4pp | 160.72%-144.8pp |
| Employer contribution / active EE | $3,538 | $3,5380% | $4,859-27.2% | $2,671+32.5% |
| Participant deferral / active EE | $6,277 | $6,405-2.0% | $7,760-19.1% | $4,126+52.1% |
| Admin fee / account holder | $13,104 | $6,978+87.8% | $10,767+21.7% | $5,651+131.9% |