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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 | $66,086 | $76,407-13.5% | $150,298-56.0% | $82,448-19.8% |
| Participation rate | 77.1% | 66.4%+10.7pp | 77.8%-0.7pp | 68.1%+9.0pp |
| Annual return | 21.96% | 39.99%-18.0pp | 62.79%-40.8pp | 41.64%-19.7pp |
| Employer contribution / active EE | $3,070 | $2,614+17.5% | $4,154-26.1% | $2,551+20.4% |
| Participant deferral / active EE | $4,798 | $3,214+49.3% | $5,453-12.0% | $4,139+15.9% |
| Admin fee / account holder | $10,743 | $6,352+69.1% | $14,116-23.9% | $7,234+48.5% |