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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 | $86,380 | $87,733-1.5% | $106,555-18.9% | $85,847+0.6% |
| Participation rate | 74.5% | 71.9%+2.6pp | 76.1%-1.6pp | 69.3%+5.2pp |
| Annual return | 16.07% | 21.86%-5.8pp | 26.80%-10.7pp | 318.61%-302.5pp |
| Employer contribution / active EE | $2,074 | $2,073+0.1% | $2,819-26.4% | $2,565-19.2% |
| Participant deferral / active EE | $4,844 | $3,469+39.6% | $4,399+10.1% | $3,952+22.6% |
| Admin fee / account holder | $1,801 | $6,767-73.4% | $7,408-75.7% | $6,261-71.2% |