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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 | $69,091 | $67,602+2.2% | $82,312-16.1% | $70,126-1.5% |
| Participation rate | 87.5% | 72.8%+14.7pp | 76.9%+10.6pp | 69.5%+18.0pp |
| Annual return | 16.44% | 21.57%-5.1pp | 25.88%-9.4pp | 73.15%-56.7pp |
| Employer contribution / active EE | $2,326 | $1,755+32.5% | $2,428-4.2% | $2,343-0.7% |
| Participant deferral / active EE | $4,040 | $2,987+35.3% | $3,706+9.0% | $3,332+21.3% |
| Admin fee / account holder | $707 | $4,512-84.3% | $5,608-87.4% | $4,645-84.8% |