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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 | $77,728 | $77,358+0.5% | $102,184-23.9% | $87,485-11.2% |
| Participation rate | 81.3% | 78.7%+2.6pp | 82.6%-1.3pp | 68.9%+12.3pp |
| Annual return | 22.19% | 41.11%-18.9pp | 31.58%-9.4pp | 26.06%-3.9pp |
| Employer contribution / active EE | $3,599 | $2,562+40.5% | $3,594+0.2% | $2,596+38.6% |
| Participant deferral / active EE | $6,618 | $6,753-2.0% | $8,309-20.3% | $4,274+54.9% |
| Admin fee / account holder | $13,604 | $6,809+99.8% | $11,609+17.2% | $7,775+75.0% |