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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 | $59,662 | $51,222+16.5% | $70,544-15.4% | $75,173-20.6% |
| Participation rate | 70.8% | 61.0%+9.9pp | 68.4%+2.5pp | 67.2%+3.6pp |
| Annual return | 15.58% | 30.06%-14.5pp | 32.79%-17.2pp | 160.72%-145.1pp |
| Employer contribution / active EE | $1,825 | $1,827-0.1% | $2,976-38.7% | $2,671-31.7% |
| Participant deferral / active EE | $3,557 | $2,850+24.8% | $4,568-22.1% | $4,126-13.8% |
| Admin fee / account holder | $3,145 | $4,096-23.2% | $6,427-51.1% | $5,651-44.3% |