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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 | $73,019 | $51,222+42.6% | $70,544+3.5% | $75,173-2.9% |
| Participation rate | 74.2% | 61.0%+13.2pp | 68.4%+5.8pp | 67.2%+7.0pp |
| Annual return | 14.06% | 30.06%-16.0pp | 32.79%-18.7pp | 160.72%-146.7pp |
| Employer contribution / active EE | $2,569 | $1,827+40.6% | $2,976-13.7% | $2,671-3.8% |
| Participant deferral / active EE | $6,361 | $2,850+123.2% | $4,568+39.3% | $4,126+54.2% |
| Admin fee / account holder | $2,138 | $4,096-47.8% | $6,427-66.7% | $5,651-62.2% |