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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 | $70,112 | $65,361+7.3% | $92,903-24.5% | $72,983-3.9% |
| Participation rate | 79.5% | 68.3%+11.2pp | 76.0%+3.5pp | 69.5%+10.1pp |
| Annual return | 20.41% | 42.11%-21.7pp | 109.43%-89.0pp | 81.01%-60.6pp |
| Employer contribution / active EE | $2,213 | $2,594-14.7% | $3,653-39.4% | $2,440-9.3% |
| Participant deferral / active EE | $5,266 | $3,128+68.3% | $4,238+24.3% | $3,608+46.0% |
| Admin fee / account holder | $3,143 | $4,251-26.1% | $5,795-45.8% | $5,124-38.7% |