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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 | $81,262-7.1% | $155,602-51.5% | $80,911-6.7% |
| Participation rate | 77.8% | 66.2%+11.5pp | 78.2%-0.4pp | 67.6%+10.1pp |
| Annual return | 20.45% | 33.34%-12.9pp | 64.81%-44.4pp | 35.63%-15.2pp |
| Employer contribution / active EE | $1,583 | $3,102-49.0% | $4,675-66.1% | $2,756-42.6% |
| Participant deferral / active EE | $3,884 | $3,451+12.5% | $5,629-31.0% | $4,297-9.6% |
| Admin fee / account holder | $5,865 | $7,992-26.6% | $15,923-63.2% | $6,935-15.4% |