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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 | $68,903 | $73,988-6.9% | $96,538-28.6% | $75,177-8.3% |
| Participation rate | 92.3% | 66.4%+25.9pp | 74.3%+18.0pp | 67.2%+25.1pp |
| Annual return | 20.02% | 26.73%-6.7pp | 35.74%-15.7pp | 160.75%-140.7pp |
| Employer contribution / active EE | $2,601 | $2,930-11.2% | $3,740-30.5% | $2,671-2.6% |
| Participant deferral / active EE | $7,959 | $3,660+117.4% | $4,880+63.1% | $4,126+92.9% |
| Admin fee / account holder | $1,333 | $5,220-74.5% | $6,737-80.2% | $5,651-76.4% |