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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 | $70,470 | $94,031-25.1% | $115,768-39.1% | $82,448-14.5% |
| Participation rate | 79.5% | 70.4%+9.1pp | 74.4%+5.1pp | 68.1%+11.4pp |
| Annual return | 14.87% | 20.61%-5.7pp | 100.46%-85.6pp | 41.64%-26.8pp |
| Employer contribution / active EE | $2,059 | $2,323-11.4% | $2,940-29.9% | $2,551-19.3% |
| Participant deferral / active EE | $3,979 | $3,972+0.2% | $4,917-19.1% | $4,139-3.9% |
| Admin fee / account holder | $2,944 | $10,249-71.3% | $12,439-76.3% | $7,234-59.3% |