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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 | $74,712 | $77,920-4.1% | $149,723-50.1% | $75,177-0.6% |
| Participation rate | 77.3% | 65.6%+11.8pp | 78.8%-1.4pp | 67.2%+10.1pp |
| Annual return | 14.15% | 31.72%-17.6pp | 134.50%-120.3pp | 160.75%-146.6pp |
| Employer contribution / active EE | $2,827 | $3,138-9.9% | $4,821-41.4% | $2,671+5.9% |
| Participant deferral / active EE | $5,589 | $3,411+63.8% | $5,682-1.6% | $4,126+35.4% |
| Admin fee / account holder | $5,200 | $5,951-12.6% | $13,215-60.7% | $5,651-8.0% |