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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 | $67,042 | $72,272-7.2% | $101,264-33.8% | $79,858-16.0% |
| Participation rate | 73.4% | 68.5%+5.0pp | 75.8%-2.4pp | 69.6%+3.8pp |
| Annual return | 18.85% | 22.30%-3.4pp | 46.48%-27.6pp | 31.72%-12.9pp |
| Employer contribution / active EE | $2,517 | $2,692-6.5% | $3,660-31.2% | $2,471+1.9% |
| Participant deferral / active EE | $2,621 | $3,282-20.1% | $4,370-40.0% | $3,740-29.9% |
| Admin fee / account holder | $3,549 | $4,401-19.4% | $5,947-40.3% | $5,306-33.1% |