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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 | $68,634 | $73,955-7.2% | $96,520-28.9% | $75,181-8.7% |
| Participation rate | 81.4% | 66.4%+15.0pp | 74.3%+7.1pp | 67.2%+14.2pp |
| Annual return | 18.40% | 26.72%-8.3pp | 35.72%-17.3pp | 160.69%-142.3pp |
| Employer contribution / active EE | $3,903 | $2,930+33.2% | $3,739+4.4% | $2,671+46.1% |
| Participant deferral / active EE | $8,696 | $3,659+137.6% | $4,879+78.3% | $4,126+110.8% |
| Admin fee / account holder | $6,382 | $5,217+22.3% | $6,733-5.2% | $5,650+13.0% |