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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 | $68,442 | $87,059-21.4% | $105,608-35.2% | $80,925-15.4% |
| Participation rate | 90.0% | 70.4%+19.6pp | 75.3%+14.7pp | 67.7%+22.3pp |
| Annual return | 23.91% | 17.05%+6.9pp | 116.50%-92.6pp | 35.65%-11.7pp |
| Employer contribution / active EE | $2,527 | $2,396+5.4% | $3,167-20.2% | $2,756-8.3% |
| Participant deferral / active EE | $5,422 | $3,986+36.0% | $5,010+8.2% | $4,299+26.1% |
| Admin fee / account holder | $2,303 | $8,443-72.7% | $11,028-79.1% | $6,940-66.8% |