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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 | $77,574 | $61,605+25.9% | $112,273-30.9% | $75,181+3.2% |
| Participation rate | 92.0% | 61.7%+30.3pp | 72.4%+19.6pp | 67.2%+24.8pp |
| Annual return | 14.32% | 28.47%-14.1pp | 30.23%-15.9pp | 160.69%-146.4pp |
| Employer contribution / active EE | $2,890 | $2,015+43.4% | $3,431-15.8% | $2,671+8.2% |
| Participant deferral / active EE | $7,491 | $3,108+141.0% | $4,800+56.1% | $4,126+81.6% |
| Admin fee / account holder | $1,780 | $4,862-63.4% | $7,752-77.0% | $5,650-68.5% |