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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 | $50,062 | $46,599+7.4% | $64,101-21.9% | $75,173-33.4% |
| Participation rate | 84.6% | 65.9%+18.7pp | 72.3%+12.3pp | 67.2%+17.4pp |
| Annual return | 15.36% | 26.06%-10.7pp | 33.72%-18.4pp | 160.72%-145.4pp |
| Employer contribution / active EE | $2,064 | $1,975+4.5% | $2,749-24.9% | $2,671-22.7% |
| Participant deferral / active EE | $6,846 | $2,837+141.3% | $3,881+76.4% | $4,126+65.9% |
| Admin fee / account holder | $4,858 | $2,956+64.3% | $3,070+58.2% | $5,651-14.0% |