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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 | $131,081 | $77,358+69.4% | $102,184+28.3% | $87,485+49.8% |
| Participation rate | 73.5% | 78.7%-5.2pp | 82.6%-9.1pp | 68.9%+4.6pp |
| Annual return | 18.67% | 41.11%-22.4pp | 31.58%-12.9pp | 26.06%-7.4pp |
| Employer contribution / active EE | $2,609 | $2,562+1.8% | $3,594-27.4% | $2,596+0.5% |
| Participant deferral / active EE | $6,908 | $6,753+2.3% | $8,309-16.9% | $4,274+61.6% |
| Admin fee / account holder | $2,305 | $6,809-66.2% | $11,609-80.1% | $7,775-70.4% |