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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 | $73,705 | $54,541+35.1% | $78,778-6.4% | $70,126+5.1% |
| Participation rate | 88.5% | 60.8%+27.7pp | 69.2%+19.3pp | 69.5%+18.9pp |
| Annual return | 16.50% | 21.07%-4.6pp | 35.62%-19.1pp | 73.15%-56.7pp |
| Employer contribution / active EE | $1,710 | $1,089+57.1% | $1,986-13.9% | $2,343-27.0% |
| Participant deferral / active EE | $6,897 | $2,210+212.0% | $2,958+133.1% | $3,332+107.0% |
| Admin fee / account holder | $3,005 | $3,709-19.0% | $5,134-41.5% | $4,645-35.3% |