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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 | $72,418 | $77,472-6.5% | $100,392-27.9% | $80,935-10.5% |
| Participation rate | 81.4% | 76.9%+4.4pp | 81.5%-0.1pp | 67.7%+13.7pp |
| Annual return | 15.35% | 37.26%-21.9pp | 49.45%-34.1pp | 35.66%-20.3pp |
| Employer contribution / active EE | $3,650 | $2,800+30.4% | $3,941-7.4% | $2,757+32.4% |
| Participant deferral / active EE | $7,742 | $6,818+13.6% | $8,090-4.3% | $4,299+80.1% |
| Admin fee / account holder | $10,332 | $5,885+75.6% | $7,904+30.7% | $6,924+49.2% |