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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 | $76,128 | $55,684+36.7% | $75,900+0.3% | $72,976+4.3% |
| Participation rate | 83.8% | 61.1%+22.7pp | 69.3%+14.5pp | 69.5%+14.3pp |
| Annual return | 21.52% | 27.60%-6.1pp | 30.73%-9.2pp | 81.02%-59.5pp |
| Employer contribution / active EE | $3,381 | $1,687+100.4% | $2,501+35.2% | $2,440+38.6% |
| Participant deferral / active EE | $2,494 | $2,634-5.3% | $3,604-30.8% | $3,608-30.9% |
| Admin fee / account holder | $1,730 | $3,981-56.5% | $5,421-68.1% | $5,124-66.2% |