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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 | $64,272 | $65,367-1.7% | $92,915-30.8% | $72,976-11.9% |
| Participation rate | 76.5% | 68.3%+8.2pp | 76.0%+0.5pp | 69.5%+7.0pp |
| Annual return | 23.57% | 42.11%-18.5pp | 109.45%-85.9pp | 81.02%-57.4pp |
| Employer contribution / active EE | $1,973 | $2,594-23.9% | $3,653-46.0% | $2,440-19.2% |
| Participant deferral / active EE | $3,456 | $3,128+10.5% | $4,238-18.4% | $3,608-4.2% |
| Admin fee / account holder | $2,359 | $4,251-44.5% | $5,796-59.3% | $5,124-54.0% |