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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 | $63,538 | $45,087+40.9% | $69,483-8.6% | $72,976-12.9% |
| Participation rate | 81.8% | 68.5%+13.3pp | 74.6%+7.2pp | 69.5%+12.3pp |
| Annual return | 22.92% | 22.67%+0.3pp | 28.99%-6.1pp | 81.02%-58.1pp |
| Employer contribution / active EE | $2,580 | $2,055+25.5% | $2,780-7.2% | $2,440+5.7% |
| Participant deferral / active EE | $4,337 | $2,603+66.6% | $3,537+22.6% | $3,608+20.2% |
| Admin fee / account holder | $6,077 | $3,057+98.8% | $3,841+58.2% | $5,124+18.6% |