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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 | $57,367 | $87,132-34.2% | $105,624-45.7% | $80,959-29.1% |
| Participation rate | 78.6% | 70.4%+8.1pp | 75.3%+3.3pp | 67.7%+10.9pp |
| Annual return | 16.08% | 17.03%-0.9pp | 116.20%-100.1pp | 35.67%-19.6pp |
| Employer contribution / active EE | $2,491 | $2,397+3.9% | $3,168-21.4% | $2,757-9.7% |
| Participant deferral / active EE | $6,820 | $3,985+71.1% | $5,013+36.1% | $4,300+58.6% |
| Admin fee / account holder | $794 | $8,449-90.6% | $10,961-92.8% | $6,925-88.5% |