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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 | $61,915 | $58,848+5.2% | $88,179-29.8% | $82,637-25.1% |
| Participation rate | 77.8% | 57.9%+19.9pp | 69.1%+8.6pp | 68.1%+9.7pp |
| Annual return | 17.29% | 22.76%-5.5pp | 64.97%-47.7pp | 53.51%-36.2pp |
| Employer contribution / active EE | $2,845 | $1,678+69.5% | $2,549+11.6% | $2,552+11.5% |
| Participant deferral / active EE | $6,504 | $3,124+108.2% | $4,614+41.0% | $4,126+57.6% |
| Admin fee / account holder | $930 | $4,795-80.6% | $7,673-87.9% | $7,339-87.3% |