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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 | $60,235 | $72,486-16.9% | $87,103-30.8% | $72,976-17.5% |
| Participation rate | 94.7% | 72.8%+21.9pp | 76.9%+17.9pp | 69.5%+25.2pp |
| Annual return | 22.22% | 24.46%-2.2pp | 28.19%-6.0pp | 81.02%-58.8pp |
| Employer contribution / active EE | $2,720 | $1,894+43.6% | $2,521+7.9% | $2,440+11.5% |
| Participant deferral / active EE | $5,549 | $3,270+69.7% | $4,049+37.1% | $3,608+53.8% |
| Admin fee / account holder | $2,248 | $5,055-55.5% | $7,491-70.0% | $5,124-56.1% |