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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 | $69,378 | $67,602+2.6% | $82,312-15.7% | $70,126-1.1% |
| Participation rate | 81.3% | 72.8%+8.5pp | 76.9%+4.4pp | 69.5%+11.7pp |
| Annual return | 14.24% | 21.57%-7.3pp | 25.88%-11.6pp | 73.15%-58.9pp |
| Employer contribution / active EE | $2,498 | $1,755+42.3% | $2,428+2.9% | $2,343+6.6% |
| Participant deferral / active EE | $3,572 | $2,987+19.6% | $3,706-3.6% | $3,332+7.2% |
| Admin fee / account holder | $2,241 | $4,512-50.3% | $5,608-60.0% | $4,645-51.8% |