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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 | $82,816 | $78,690+5.2% | $161,489-48.7% | $87,485-5.3% |
| Participation rate | 80.4% | 67.5%+13.0pp | 78.7%+1.7pp | 68.9%+11.5pp |
| Annual return | 20.06% | 32.74%-12.7pp | 89.72%-69.7pp | 26.06%-6.0pp |
| Employer contribution / active EE | $1,729 | $2,588-33.2% | $4,268-59.5% | $2,596-33.4% |
| Participant deferral / active EE | $5,609 | $3,311+69.4% | $5,630-0.4% | $4,274+31.2% |
| Admin fee / account holder | $3,267 | $6,724-51.4% | $16,006-79.6% | $7,775-58.0% |