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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 | $67,547 | $65,367+3.3% | $92,915-27.3% | $72,976-7.4% |
| Participation rate | 88.2% | 68.3%+19.9pp | 76.0%+12.2pp | 69.5%+18.7pp |
| Annual return | 17.43% | 42.11%-24.7pp | 109.45%-92.0pp | 81.02%-63.6pp |
| Employer contribution / active EE | $1,853 | $2,594-28.6% | $3,653-49.3% | $2,440-24.1% |
| Participant deferral / active EE | $3,014 | $3,128-3.6% | $4,238-28.9% | $3,608-16.4% |
| Admin fee / account holder | $668 | $4,251-84.3% | $5,796-88.5% | $5,124-87.0% |