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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 | $64,569 | $54,541+18.4% | $78,778-18.0% | $70,126-7.9% |
| Participation rate | 75.0% | 60.8%+14.2pp | 69.2%+5.8pp | 69.5%+5.5pp |
| Annual return | 21.74% | 21.07%+0.7pp | 35.62%-13.9pp | 73.15%-51.4pp |
| Employer contribution / active EE | $1,563 | $1,089+43.6% | $1,986-21.3% | $2,343-33.3% |
| Participant deferral / active EE | $3,378 | $2,210+52.8% | $2,958+14.2% | $3,332+1.4% |
| Admin fee / account holder | $3,556 | $3,709-4.1% | $5,134-30.7% | $4,645-23.4% |