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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 | $73,537 | $72,273+1.8% | $101,275-27.4% | $79,856-7.9% |
| Participation rate | 74.1% | 68.5%+5.6pp | 75.8%-1.7pp | 69.6%+4.4pp |
| Annual return | 17.74% | 22.30%-4.6pp | 46.48%-28.7pp | 31.71%-14.0pp |
| Employer contribution / active EE | $5,684 | $2,691+111.2% | $3,660+55.3% | $2,471+130.0% |
| Participant deferral / active EE | $7,588 | $3,282+131.2% | $4,371+73.6% | $3,741+102.8% |
| Admin fee / account holder | $336 | $4,401-92.4% | $5,948-94.4% | $5,306-93.7% |