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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 | $86,018 | $73,787+16.6% | $98,716-12.9% | $82,448+4.3% |
| Participation rate | 79.3% | 61.4%+17.9pp | 69.3%+10.0pp | 68.1%+11.2pp |
| Annual return | 15.72% | 18.57%-2.8pp | 31.81%-16.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,087 | $1,511+38.1% | $2,279-8.4% | $2,551-18.2% |
| Participant deferral / active EE | $4,469 | $3,081+45.0% | $4,048+10.4% | $4,139+8.0% |
| Admin fee / account holder | $9,432 | $6,500+45.1% | $8,703+8.4% | $7,234+30.4% |