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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 | $68,821 | $97,648-29.5% | $121,663-43.4% | $87,485-21.3% |
| Participation rate | 82.1% | 70.5%+11.7pp | 74.5%+7.7pp | 68.9%+13.2pp |
| Annual return | 12.58% | 18.03%-5.4pp | 147.54%-135.0pp | 26.06%-13.5pp |
| Employer contribution / active EE | $1,607 | $2,300-30.1% | $3,020-46.8% | $2,596-38.1% |
| Participant deferral / active EE | $2,544 | $3,923-35.2% | $4,887-47.9% | $4,274-40.5% |
| Admin fee / account holder | $937 | $11,100-91.6% | $14,289-93.4% | $7,775-88.0% |