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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 | $64,708 | $61,605+5.0% | $112,273-42.4% | $75,173-13.9% |
| Participation rate | 88.5% | 61.7%+26.8pp | 72.4%+16.0pp | 67.2%+21.3pp |
| Annual return | 20.79% | 28.47%-7.7pp | 30.23%-9.4pp | 160.72%-139.9pp |
| Employer contribution / active EE | $1,620 | $2,015-19.6% | $3,431-52.8% | $2,671-39.3% |
| Participant deferral / active EE | $3,732 | $3,108+20.1% | $4,800-22.2% | $4,126-9.5% |
| Admin fee / account holder | $1,951 | $4,862-59.9% | $7,752-74.8% | $5,651-65.5% |