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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 | $79,540 | $78,690+1.1% | $161,489-50.7% | $87,485-9.1% |
| Participation rate | 72.5% | 67.5%+5.1pp | 78.7%-6.1pp | 68.9%+3.6pp |
| Annual return | 18.62% | 32.74%-14.1pp | 89.72%-71.1pp | 26.06%-7.4pp |
| Employer contribution / active EE | $1,376 | $2,588-46.8% | $4,268-67.8% | $2,596-47.0% |
| Participant deferral / active EE | $4,506 | $3,311+36.1% | $5,630-20.0% | $4,274+5.4% |
| Admin fee / account holder | $1,613 | $6,724-76.0% | $16,006-89.9% | $7,775-79.3% |