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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 | $82,028 | $67,606+21.3% | $82,313-0.3% | $70,124+17.0% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 15.58% | 21.57%-6.0pp | 25.88%-10.3pp | 73.14%-57.6pp |
| Employer contribution / active EE | $2,350 | $1,755+33.9% | $2,428-3.2% | $2,342+0.3% |
| Participant deferral / active EE | $3,640 | $2,987+21.9% | $3,706-1.8% | $3,332+9.3% |
| Admin fee / account holder | $3,902 | $4,512-13.5% | $5,608-30.4% | $4,645-16.0% |