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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 | $75,866 | $58,493+29.7% | $84,023-9.7% | $72,976+4.0% |
| Participation rate | 88.5% | 61.2%+27.2pp | 69.0%+19.4pp | 69.5%+19.0pp |
| Annual return | 24.13% | 28.93%-4.8pp | 71.32%-47.2pp | 81.02%-56.9pp |
| Employer contribution / active EE | $1,360 | $1,163+16.9% | $1,984-31.5% | $2,440-44.3% |
| Participant deferral / active EE | $2,198 | $2,394-8.2% | $3,239-32.1% | $3,608-39.1% |
| Admin fee / account holder | $7,344 | $4,569+60.8% | $6,102+20.4% | $5,124+43.3% |