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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 | $75,335 | $46,534+61.9% | $64,097+17.5% | $75,177+0.2% |
| Participation rate | 93.5% | 65.9%+27.6pp | 72.3%+21.2pp | 67.2%+26.3pp |
| Annual return | 19.40% | 26.07%-6.7pp | 33.75%-14.3pp | 160.75%-141.4pp |
| Employer contribution / active EE | $2,881 | $1,976+45.8% | $2,750+4.8% | $2,671+7.9% |
| Participant deferral / active EE | $5,253 | $2,835+85.3% | $3,881+35.3% | $4,126+27.3% |
| Admin fee / account holder | $3,517 | $2,957+18.9% | $3,070+14.6% | $5,651-37.8% |