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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 | $74,107 | $64,920+14.2% | $103,693-28.5% | $86,983-14.8% |
| Participation rate | 84.4% | 63.6%+20.9pp | 72.6%+11.8pp | 69.5%+14.9pp |
| Annual return | 19.08% | 30.29%-11.2pp | 47.61%-28.5pp | 25.83%-6.8pp |
| Employer contribution / active EE | $2,721 | $2,141+27.1% | $2,920-6.8% | $2,584+5.3% |
| Participant deferral / active EE | $5,972 | $3,241+84.3% | $4,579+30.4% | $4,194+42.4% |
| Admin fee / account holder | $3,634 | $6,191-41.3% | $7,858-53.8% | $7,856-53.7% |