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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 | $63,997 | $58,493+9.4% | $84,023-23.8% | $72,976-12.3% |
| Participation rate | 84.2% | 61.2%+23.0pp | 69.0%+15.2pp | 69.5%+14.7pp |
| Annual return | 22.49% | 28.93%-6.4pp | 71.32%-48.8pp | 81.02%-58.5pp |
| Employer contribution / active EE | $1,068 | $1,163-8.2% | $1,984-46.2% | $2,440-56.2% |
| Participant deferral / active EE | $3,562 | $2,394+48.8% | $3,239+10.0% | $3,608-1.3% |
| Admin fee / account holder | $7,596 | $4,569+66.3% | $6,102+24.5% | $5,124+48.2% |