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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 | $60,743 | $108,825-44.2% | $156,181-61.1% | $82,448-26.3% |
| Participation rate | 83.3% | 72.4%+11.0pp | 78.8%+4.5pp | 68.1%+15.3pp |
| Annual return | 16.85% | 20.59%-3.7pp | 64.87%-48.0pp | 41.64%-24.8pp |
| Employer contribution / active EE | $3,106 | $2,870+8.2% | $4,294-27.7% | $2,551+21.8% |
| Participant deferral / active EE | $6,362 | $4,577+39.0% | $6,132+3.7% | $4,139+53.7% |
| Admin fee / account holder | $5,644 | $9,341-39.6% | $14,586-61.3% | $7,234-22.0% |