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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 | $74,965 | $71,353+5.1% | $92,805-19.2% | $86,983-13.8% |
| Participation rate | 91.1% | 80.9%+10.2pp | 83.5%+7.6pp | 69.5%+21.6pp |
| Annual return | 22.51% | 44.68%-22.2pp | 31.59%-9.1pp | 25.83%-3.3pp |
| Employer contribution / active EE | $1,725 | $2,468-30.1% | $3,424-49.6% | $2,584-33.3% |
| Participant deferral / active EE | $8,746 | $6,966+25.6% | $8,448+3.5% | $4,194+108.5% |
| Admin fee / account holder | $3,363 | $6,099-44.9% | $10,911-69.2% | $7,856-57.2% |