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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 | $85,010 | $81,358+4.5% | $155,556-45.4% | $80,959+5.0% |
| Participation rate | 81.8% | 66.3%+15.6pp | 78.2%+3.6pp | 67.7%+14.2pp |
| Annual return | 16.38% | 33.39%-17.0pp | 64.84%-48.5pp | 35.67%-19.3pp |
| Employer contribution / active EE | $3,333 | $3,106+7.3% | $4,675-28.7% | $2,757+20.9% |
| Participant deferral / active EE | $5,989 | $3,455+73.3% | $5,631+6.4% | $4,300+39.3% |
| Admin fee / account holder | $2,569 | $7,994-67.9% | $15,885-83.8% | $6,925-62.9% |