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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 | $125,774 | $72,486+73.5% | $87,103+44.4% | $72,976+72.4% |
| Participation rate | 88.5% | 72.8%+15.6pp | 76.9%+11.6pp | 69.5%+19.0pp |
| Annual return | 23.09% | 24.46%-1.4pp | 28.19%-5.1pp | 81.02%-57.9pp |
| Employer contribution / active EE | $1,464 | $1,894-22.7% | $2,521-41.9% | $2,440-40.0% |
| Participant deferral / active EE | $2,263 | $3,270-30.8% | $4,049-44.1% | $3,608-37.3% |
| Admin fee / account holder | $2,315 | $5,055-54.2% | $7,491-69.1% | $5,124-54.8% |