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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 | $68,897 | $87,106-20.9% | $105,607-34.8% | $80,935-14.9% |
| Participation rate | 80.0% | 70.4%+9.6pp | 75.3%+4.7pp | 67.7%+12.3pp |
| Annual return | 11.73% | 17.01%-5.3pp | 116.11%-104.4pp | 35.66%-23.9pp |
| Employer contribution / active EE | $4,153 | $2,396+73.3% | $3,167+31.2% | $2,757+50.7% |
| Participant deferral / active EE | $1,945 | $3,986-51.2% | $5,011-61.2% | $4,299-54.8% |
| Admin fee / account holder | $607 | $8,447-92.8% | $10,958-94.5% | $6,924-91.2% |