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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 | $73,076 | $61,605+18.6% | $112,273-34.9% | $75,173-2.8% |
| Participation rate | 75.0% | 61.7%+13.3pp | 72.4%+2.6pp | 67.2%+7.8pp |
| Annual return | 15.42% | 28.47%-13.0pp | 30.23%-14.8pp | 160.72%-145.3pp |
| Employer contribution / active EE | $1,905 | $2,015-5.5% | $3,431-44.5% | $2,671-28.7% |
| Participant deferral / active EE | $4,423 | $3,108+42.3% | $4,800-7.8% | $4,126+7.2% |
| Admin fee / account holder | $2,447 | $4,862-49.7% | $7,752-68.4% | $5,651-56.7% |