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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 | $73,922 | $81,276-9.0% | $155,574-52.5% | $80,925-8.7% |
| Participation rate | 71.7% | 66.2%+5.5pp | 78.2%-6.5pp | 67.7%+4.1pp |
| Annual return | 15.19% | 33.36%-18.2pp | 64.87%-49.7pp | 35.65%-20.5pp |
| Employer contribution / active EE | $2,266 | $3,103-27.0% | $4,676-51.5% | $2,756-17.8% |
| Participant deferral / active EE | $3,989 | $3,453+15.5% | $5,629-29.1% | $4,299-7.2% |
| Admin fee / account holder | $956 | $7,993-88.0% | $15,914-94.0% | $6,940-86.2% |