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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 | $59,550 | $56,287+5.8% | $80,977-26.5% | $62,881-5.3% |
| Participation rate | 93.5% | 68.9%+24.6pp | 75.8%+17.7pp | 69.3%+24.2pp |
| Annual return | 8.14% | 22.13%-14.0pp | 17.11%-9.0pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,960 | $1,943+52.4% | $3,715-20.3% | $2,281+29.8% |
| Participant deferral / active EE | $4,699 | $4,196+12.0% | $5,696-17.5% | $3,203+46.7% |
| Admin fee / account holder | $1,903 | $3,742-49.1% | $5,517-65.5% | $4,296-55.7% |