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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 | $82,946 | $81,276+2.1% | $155,574-46.7% | $80,925+2.5% |
| Participation rate | 80.4% | 66.2%+14.1pp | 78.2%+2.1pp | 67.7%+12.7pp |
| Annual return | 19.28% | 33.36%-14.1pp | 64.87%-45.6pp | 35.65%-16.4pp |
| Employer contribution / active EE | $1,821 | $3,103-41.3% | $4,676-61.1% | $2,756-33.9% |
| Participant deferral / active EE | $4,672 | $3,453+35.3% | $5,629-17.0% | $4,299+8.7% |
| Admin fee / account holder | $16,301 | $7,993+103.9% | $15,914+2.4% | $6,940+134.9% |