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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 | $73,749 | $64,359+14.6% | $90,161-18.2% | $70,126+5.2% |
| Participation rate | 88.5% | 70.4%+18.1pp | 76.9%+11.7pp | 69.5%+19.0pp |
| Annual return | 17.25% | 28.13%-10.9pp | 34.89%-17.6pp | 73.15%-55.9pp |
| Employer contribution / active EE | $2,467 | $2,046+20.6% | $3,318-25.6% | $2,343+5.3% |
| Participant deferral / active EE | $6,654 | $4,389+51.6% | $5,287+25.8% | $3,332+99.7% |
| Admin fee / account holder | $5,775 | $3,945+46.4% | $5,943-2.8% | $4,645+24.3% |