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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 | $85,217 | $68,586+24.2% | $120,380-29.2% | $80,911+5.3% |
| Participation rate | 76.7% | 61.6%+15.1pp | 71.9%+4.8pp | 67.6%+9.0pp |
| Annual return | 10.55% | 23.62%-13.1pp | 107.28%-96.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,906 | $2,053-7.1% | $3,465-45.0% | $2,756-30.8% |
| Participant deferral / active EE | $4,357 | $3,174+37.3% | $4,992-12.7% | $4,297+1.4% |
| Admin fee / account holder | $2,333 | $5,733-59.3% | $9,421-75.2% | $6,935-66.4% |