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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 | $87,060-34.1% | $105,591-45.7% | $80,911-29.1% |
| Participation rate | 78.6% | 70.4%+8.1pp | 75.3%+3.3pp | 67.6%+10.9pp |
| Annual return | 16.08% | 17.05%-1.0pp | 116.43%-100.3pp | 35.63%-19.5pp |
| Employer contribution / active EE | $2,491 | $2,396+3.9% | $3,166-21.3% | $2,756-9.6% |
| Participant deferral / active EE | $6,820 | $3,986+71.1% | $5,008+36.2% | $4,297+58.7% |
| Admin fee / account holder | $794 | $8,442-90.6% | $11,024-92.8% | $6,935-88.5% |