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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 | $77,467 | $56,894+36.2% | $84,753-8.6% | $62,881+23.2% |
| Participation rate | 82.4% | 68.5%+13.8pp | 76.6%+5.8pp | 69.3%+13.0pp |
| Annual return | 8.74% | 6.30%+2.4pp | 22.78%-14.0pp | 20.14%-11.4pp |
| Employer contribution / active EE | $2,166 | $2,400-9.8% | $3,574-39.4% | $2,281-5.0% |
| Participant deferral / active EE | $3,977 | $2,709+46.8% | $3,712+7.1% | $3,203+24.2% |
| Admin fee / account holder | $2,485 | $3,581-30.6% | $5,333-53.4% | $4,296-42.2% |