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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 | $64,058 | $73,978-13.4% | $96,515-33.6% | $75,173-14.8% |
| Participation rate | 85.2% | 66.4%+18.8pp | 74.3%+10.8pp | 67.2%+18.0pp |
| Annual return | 19.97% | 26.72%-6.8pp | 35.73%-15.8pp | 160.72%-140.7pp |
| Employer contribution / active EE | $3,381 | $2,931+15.4% | $3,740-9.6% | $2,671+26.6% |
| Participant deferral / active EE | $7,933 | $3,660+116.7% | $4,880+62.6% | $4,126+92.3% |
| Admin fee / account holder | $2,194 | $5,219-58.0% | $6,735-67.4% | $5,651-61.2% |