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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 | $76,008 | $72,027+5.5% | $185,835-59.1% | $79,852-4.8% |
| Participation rate | 72.4% | 65.8%+6.6pp | 78.0%-5.6pp | 69.6%+2.8pp |
| Annual return | 11.72% | 23.13%-11.4pp | 35.96%-24.2pp | 31.72%-20.0pp |
| Employer contribution / active EE | $2,496 | $1,965+27.0% | $4,087-38.9% | $2,471+1.0% |
| Participant deferral / active EE | $4,926 | $3,780+30.3% | $5,633-12.6% | $3,740+31.7% |
| Admin fee / account holder | $4,721 | $4,513+4.6% | $9,502-50.3% | $5,306-11.0% |