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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 | $70,585 | $94,031-24.9% | $115,768-39.0% | $82,448-14.4% |
| Participation rate | 76.5% | 70.4%+6.1pp | 74.4%+2.1pp | 68.1%+8.4pp |
| Annual return | 16.95% | 20.61%-3.7pp | 100.46%-83.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $3,121 | $2,323+34.3% | $2,940+6.2% | $2,551+22.3% |
| Participant deferral / active EE | $7,418 | $3,972+86.8% | $4,917+50.9% | $4,139+79.2% |
| Admin fee / account holder | $3,105 | $10,249-69.7% | $12,439-75.0% | $7,234-57.1% |