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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 | $70,283 | $72,273-2.8% | $101,275-30.6% | $79,856-12.0% |
| Participation rate | 85.1% | 68.5%+16.6pp | 75.8%+9.3pp | 69.6%+15.5pp |
| Annual return | 15.26% | 22.30%-7.0pp | 46.48%-31.2pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,771 | $2,691-34.2% | $3,660-51.6% | $2,471-28.3% |
| Participant deferral / active EE | $4,773 | $3,282+45.4% | $4,371+9.2% | $3,741+27.6% |
| Admin fee / account holder | $14,703 | $4,401+234.1% | $5,948+147.2% | $5,306+177.1% |