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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 | $75,964 | $67,411+12.7% | $91,004-16.5% | $70,126+8.3% |
| Participation rate | 93.9% | 71.4%+22.6pp | 75.6%+18.3pp | 69.5%+24.4pp |
| Annual return | 12.84% | -40.16%+53.0pp | 4.60%+8.2pp | 73.15%-60.3pp |
| Employer contribution / active EE | $1,890 | $1,786+5.8% | $2,456-23.0% | $2,343-19.3% |
| Participant deferral / active EE | $2,223 | $2,823-21.2% | $3,548-37.3% | $3,332-33.3% |
| Admin fee / account holder | $11,753 | $4,236+177.4% | $5,417+116.9% | $4,645+153.0% |