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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 | $68,265 | $81,331-16.1% | $155,534-56.1% | $80,935-15.7% |
| Participation rate | 80.0% | 66.3%+13.7pp | 78.2%+1.8pp | 67.7%+12.3pp |
| Annual return | 13.97% | 33.37%-19.4pp | 64.92%-50.9pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,908 | $3,105-6.3% | $4,675-37.8% | $2,757+5.5% |
| Participant deferral / active EE | $4,056 | $3,454+17.4% | $5,630-28.0% | $4,299-5.7% |
| Admin fee / account holder | $984 | $7,999-87.7% | $15,900-93.8% | $6,924-85.8% |