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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 | $60,500 | $80,992-25.3% | $96,534-37.3% | $75,173-19.5% |
| Participation rate | 80.0% | 71.8%+8.2pp | 76.0%+4.0pp | 67.2%+12.8pp |
| Annual return | 22.05% | 27.05%-5.0pp | 25.88%-3.8pp | 160.72%-138.7pp |
| Employer contribution / active EE | $2,884 | $2,283+26.3% | $2,965-2.8% | $2,671+8.0% |
| Participant deferral / active EE | $4,622 | $3,929+17.6% | $4,851-4.7% | $4,126+12.0% |
| Admin fee / account holder | $2,489 | $6,717-63.0% | $8,253-69.8% | $5,651-56.0% |