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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 | $67,140 | $60,349+11.3% | $74,184-9.5% | $62,881+6.8% |
| Participation rate | 96.4% | 72.7%+23.7pp | 76.6%+19.8pp | 69.3%+27.1pp |
| Annual return | 10.57% | 21.38%-10.8pp | 17.74%-7.2pp | 20.14%-9.6pp |
| Employer contribution / active EE | $2,254 | $1,680+34.1% | $2,370-4.9% | $2,281-1.2% |
| Participant deferral / active EE | $2,504 | $2,856-12.4% | $3,550-29.5% | $3,203-21.8% |
| Admin fee / account holder | $4,577 | $4,261+7.4% | $5,586-18.1% | $4,296+6.6% |