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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 | $79,133 | $85,024-6.9% | $70,544+12.2% | $139,466-43.3% |
| Participation rate | 84.6% | 73.9%+10.7pp | 68.4%+16.3pp | 80.3%+4.3pp |
| Annual return | 14.73% | 30.39%-15.7pp | 32.79%-18.1pp | 373.66%-358.9pp |
| Employer contribution / active EE | $3,313 | $3,912-15.3% | $2,976+11.3% | $4,754-30.3% |
| Participant deferral / active EE | $7,743 | $5,891+31.4% | $4,568+69.5% | $6,712+15.4% |
| Admin fee / account holder | $2,765 | $8,928-69.0% | $6,427-57.0% | $11,409-75.8% |