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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 | $66,346 | $56,054+18.4% | $171,082-61.2% | $62,881+5.5% |
| Participation rate | 71.7% | 62.9%+8.9pp | 76.7%-5.0pp | 69.3%+2.4pp |
| Annual return | 6.72% | 22.52%-15.8pp | 32.56%-25.8pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,295 | $1,731+32.6% | $4,002-42.7% | $2,281+0.6% |
| Participant deferral / active EE | $4,842 | $3,158+53.3% | $4,797+0.9% | $3,203+51.2% |
| Admin fee / account holder | $3,313 | $3,647-9.1% | $8,520-61.1% | $4,296-22.9% |