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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 | $65,059 | $58,493+11.2% | $84,021-22.6% | $72,975-10.8% |
| Participation rate | 78.1% | 61.2%+16.9pp | 69.0%+9.1pp | 69.5%+8.6pp |
| Annual return | 19.73% | 28.93%-9.2pp | 71.32%-51.6pp | 81.01%-61.3pp |
| Employer contribution / active EE | $3,033 | $1,163+160.8% | $1,984+52.9% | $2,440+24.3% |
| Participant deferral / active EE | $2,367 | $2,394-1.1% | $3,239-26.9% | $3,608-34.4% |
| Admin fee / account holder | $757 | $4,569-83.4% | $6,102-87.6% | $5,124-85.2% |