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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 | $73,257 | $72,273+1.4% | $101,275-27.7% | $79,856-8.3% |
| Participation rate | 72.7% | 68.5%+4.3pp | 75.8%-3.1pp | 69.6%+3.1pp |
| Annual return | 12.76% | 22.30%-9.5pp | 46.48%-33.7pp | 31.71%-18.9pp |
| Employer contribution / active EE | $2,115 | $2,691-21.4% | $3,660-42.2% | $2,471-14.4% |
| Participant deferral / active EE | $3,581 | $3,282+9.1% | $4,371-18.1% | $3,741-4.3% |
| Admin fee / account holder | $8,465 | $4,401+92.3% | $5,948+42.3% | $5,306+59.5% |