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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 | $67,730 | $62,672+8.1% | $185,117-63.4% | $70,126-3.4% |
| Participation rate | 74.2% | 63.8%+10.4pp | 77.3%-3.1pp | 69.5%+4.7pp |
| Annual return | 26.49% | 40.79%-14.3pp | 40.50%-14.0pp | 73.15%-46.7pp |
| Employer contribution / active EE | $1,359 | $1,753-22.5% | $4,182-67.5% | $2,343-42.0% |
| Participant deferral / active EE | $4,528 | $3,272+38.4% | $5,045-10.2% | $3,332+35.9% |
| Admin fee / account holder | $2,687 | $3,932-31.7% | $8,159-67.1% | $4,645-42.2% |