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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 | $70,336 | $75,541-6.9% | $152,093-53.8% | $82,637-14.9% |
| Participation rate | 71.4% | 66.5%+4.9pp | 77.8%-6.3pp | 68.1%+3.4pp |
| Annual return | 31.29% | 32.56%-1.3pp | 66.36%-35.1pp | 53.51%-22.2pp |
| Employer contribution / active EE | $1,944 | $2,622-25.9% | $4,175-53.4% | $2,552-23.8% |
| Participant deferral / active EE | $3,860 | $3,206+20.4% | $5,451-29.2% | $4,126-6.5% |
| Admin fee / account holder | $4,692 | $6,405-26.7% | $14,497-67.6% | $7,339-36.1% |