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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 | $68,618 | $48,078+42.7% | $78,676-12.8% | $62,881+9.1% |
| Participation rate | 75.0% | 65.2%+9.8pp | 73.6%+1.4pp | 69.3%+5.7pp |
| Annual return | 6.91% | 31.36%-24.5pp | 62.19%-55.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $3,613 | $2,015+79.3% | $2,850+26.8% | $2,281+58.4% |
| Participant deferral / active EE | $4,178 | $2,587+61.5% | $3,517+18.8% | $3,203+30.4% |
| Admin fee / account holder | $3,523 | $3,206+9.9% | $4,510-21.9% | $4,296-18.0% |