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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 | $75,528 | $81,358-7.2% | $155,556-51.4% | $80,959-6.7% |
| Participation rate | 77.8% | 66.3%+11.5pp | 78.2%-0.4pp | 67.7%+10.1pp |
| Annual return | 20.45% | 33.39%-12.9pp | 64.84%-44.4pp | 35.67%-15.2pp |
| Employer contribution / active EE | $1,583 | $3,106-49.0% | $4,675-66.1% | $2,757-42.6% |
| Participant deferral / active EE | $3,884 | $3,455+12.4% | $5,631-31.0% | $4,300-9.7% |
| Admin fee / account holder | $5,865 | $7,994-26.6% | $15,885-63.1% | $6,925-15.3% |