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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 | $70,971 | $77,901-8.9% | $149,717-52.6% | $75,181-5.6% |
| Participation rate | 74.1% | 65.6%+8.5pp | 78.8%-4.7pp | 67.2%+6.9pp |
| Annual return | 18.36% | 31.73%-13.4pp | 134.41%-116.0pp | 160.69%-142.3pp |
| Employer contribution / active EE | $3,236 | $3,137+3.1% | $4,820-32.9% | $2,671+21.2% |
| Participant deferral / active EE | $6,622 | $3,411+94.1% | $5,682+16.5% | $4,126+60.5% |
| Admin fee / account holder | $1,938 | $5,949-67.4% | $13,213-85.3% | $5,650-65.7% |