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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 | $85,452 | $75,541+13.1% | $152,093-43.8% | $82,637+3.4% |
| Participation rate | 74.2% | 66.5%+7.7pp | 77.8%-3.6pp | 68.1%+6.1pp |
| Annual return | 14.52% | 32.56%-18.0pp | 66.36%-51.8pp | 53.51%-39.0pp |
| Employer contribution / active EE | $2,715 | $2,622+3.5% | $4,175-35.0% | $2,552+6.4% |
| Participant deferral / active EE | $3,349 | $3,206+4.5% | $5,451-38.6% | $4,126-18.8% |
| Admin fee / account holder | $1,333 | $6,405-79.2% | $14,497-90.8% | $7,339-81.8% |