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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 | $71,321 | $70,486+1.2% | $100,528-29.1% | $79,852-10.7% |
| Participation rate | 85.4% | 73.6%+11.7pp | 79.4%+5.9pp | 69.6%+15.7pp |
| Annual return | 18.97% | 21.90%-2.9pp | 30.90%-11.9pp | 31.72%-12.8pp |
| Employer contribution / active EE | $3,731 | $2,165+72.4% | $3,419+9.1% | $2,471+51.0% |
| Participant deferral / active EE | $6,279 | $5,182+21.2% | $6,271+0.1% | $3,740+67.9% |
| Admin fee / account holder | $2,378 | $4,480-46.9% | $8,084-70.6% | $5,306-55.2% |