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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 | $67,303 | $58,627+14.8% | $76,735-12.3% | $82,448-18.4% |
| Participation rate | 74.1% | 63.2%+10.9pp | 69.5%+4.6pp | 68.1%+6.0pp |
| Annual return | 18.69% | 39.10%-20.4pp | 29.77%-11.1pp | 41.64%-23.0pp |
| Employer contribution / active EE | $2,712 | $1,729+56.8% | $2,454+10.5% | $2,551+6.3% |
| Participant deferral / active EE | $4,565 | $3,134+45.7% | $4,088+11.7% | $4,139+10.3% |
| Admin fee / account holder | $3,386 | $5,323-36.4% | $7,189-52.9% | $7,234-53.2% |