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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 | $83,824 | $67,602+24.0% | $82,312+1.8% | $70,126+19.5% |
| Participation rate | 79.3% | 72.8%+6.5pp | 76.9%+2.4pp | 69.5%+9.8pp |
| Annual return | 19.70% | 21.57%-1.9pp | 25.88%-6.2pp | 73.15%-53.5pp |
| Employer contribution / active EE | $2,149 | $1,755+22.4% | $2,428-11.5% | $2,343-8.3% |
| Participant deferral / active EE | $4,269 | $2,987+42.9% | $3,706+15.2% | $3,332+28.1% |
| Admin fee / account holder | $1,448 | $4,512-67.9% | $5,608-74.2% | $4,645-68.8% |