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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 | $62,790 | $45,087+39.3% | $69,483-9.6% | $72,976-14.0% |
| Participation rate | 83.3% | 68.5%+14.9pp | 74.6%+8.7pp | 69.5%+13.8pp |
| Annual return | 17.50% | 22.67%-5.2pp | 28.99%-11.5pp | 81.02%-63.5pp |
| Employer contribution / active EE | $1,643 | $2,055-20.1% | $2,780-40.9% | $2,440-32.7% |
| Participant deferral / active EE | $4,944 | $2,603+89.9% | $3,537+39.8% | $3,608+37.0% |
| Admin fee / account holder | $4,101 | $3,057+34.1% | $3,841+6.8% | $5,124-20.0% |