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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 | $85,710 | $69,977+22.5% | $108,582-21.1% | $62,881+36.3% |
| Participation rate | 77.8% | 72.9%+4.9pp | 79.6%-1.8pp | 69.3%+8.5pp |
| Annual return | 8.62% | 10.73%-2.1pp | -51.70%+60.3pp | 20.14%-11.5pp |
| Employer contribution / active EE | $3,830 | $2,135+79.4% | $3,758+1.9% | $2,281+67.9% |
| Participant deferral / active EE | $3,970 | $3,165+25.5% | $4,311-7.9% | $3,203+24.0% |
| Admin fee / account holder | $3,739 | $5,076-26.3% | $7,645-51.1% | $4,296-13.0% |