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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 | $73,659 | $65,367+12.7% | $92,915-20.7% | $72,976+0.9% |
| Participation rate | 78.9% | 68.3%+10.6pp | 76.0%+2.9pp | 69.5%+9.4pp |
| Annual return | 23.76% | 42.11%-18.3pp | 109.45%-85.7pp | 81.02%-57.3pp |
| Employer contribution / active EE | $1,921 | $2,594-25.9% | $3,653-47.4% | $2,440-21.3% |
| Participant deferral / active EE | $5,020 | $3,128+60.5% | $4,238+18.5% | $3,608+39.2% |
| Admin fee / account holder | $3,173 | $4,251-25.4% | $5,796-45.2% | $5,124-38.1% |