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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 | $86,879 | $73,988+17.4% | $96,538-10.0% | $75,177+15.6% |
| Participation rate | 91.3% | 66.4%+24.9pp | 74.3%+17.0pp | 67.2%+24.1pp |
| Annual return | 15.85% | 26.73%-10.9pp | 35.74%-19.9pp | 160.75%-144.9pp |
| Employer contribution / active EE | $2,799 | $2,930-4.5% | $3,740-25.2% | $2,671+4.8% |
| Participant deferral / active EE | $4,798 | $3,660+31.1% | $4,880-1.7% | $4,126+16.3% |
| Admin fee / account holder | $4,754 | $5,220-8.9% | $6,737-29.4% | $5,651-15.9% |