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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 | $81,233+4.6% | $155,567-45.4% | $80,874+5.1% |
| Participation rate | 81.8% | 66.2%+15.6pp | 78.2%+3.6pp | 67.6%+14.2pp |
| Annual return | 16.38% | 33.33%-17.0pp | 64.74%-48.4pp | 35.62%-19.2pp |
| Employer contribution / active EE | $3,333 | $3,101+7.5% | $4,674-28.7% | $2,756+20.9% |
| Participant deferral / active EE | $5,989 | $3,452+73.5% | $5,628+6.4% | $4,297+39.4% |
| Admin fee / account holder | $2,569 | $7,998-67.9% | $15,916-83.9% | $6,935-63.0% |