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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 | $60,539 | $64,359-5.9% | $90,161-32.9% | $70,126-13.7% |
| Participation rate | 82.0% | 70.4%+11.6pp | 76.9%+5.1pp | 69.5%+12.5pp |
| Annual return | 20.51% | 28.13%-7.6pp | 34.89%-14.4pp | 73.15%-52.6pp |
| Employer contribution / active EE | $5,829 | $2,046+184.9% | $3,318+75.7% | $2,343+148.8% |
| Participant deferral / active EE | $5,291 | $4,389+20.5% | $5,287+0.1% | $3,332+58.8% |
| Admin fee / account holder | $3,680 | $3,945-6.7% | $5,943-38.1% | $4,645-20.8% |