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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 | $65,034 | $65,367-0.5% | $92,915-30.0% | $72,976-10.9% |
| Participation rate | 94.4% | 68.3%+26.1pp | 76.0%+18.4pp | 69.5%+25.0pp |
| Annual return | 27.88% | 42.11%-14.2pp | 109.45%-81.6pp | 81.02%-53.1pp |
| Employer contribution / active EE | $2,729 | $2,594+5.2% | $3,653-25.3% | $2,440+11.8% |
| Participant deferral / active EE | $4,803 | $3,128+53.5% | $4,238+13.3% | $3,608+33.1% |
| Admin fee / account holder | $4,320 | $4,251+1.6% | $5,796-25.5% | $5,124-15.7% |