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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 | $73,487 | $65,361+12.4% | $92,903-20.9% | $72,983+0.7% |
| Participation rate | 85.3% | 68.3%+17.0pp | 76.0%+9.3pp | 69.5%+15.8pp |
| Annual return | 21.49% | 42.11%-20.6pp | 109.43%-87.9pp | 81.01%-59.5pp |
| Employer contribution / active EE | $2,220 | $2,594-14.4% | $3,653-39.2% | $2,440-9.0% |
| Participant deferral / active EE | $3,313 | $3,128+5.9% | $4,238-21.8% | $3,608-8.2% |
| Admin fee / account holder | $4,045 | $4,251-4.8% | $5,795-30.2% | $5,124-21.1% |