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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 | $76,834+12.0% | $108,359-20.6% | $87,485-1.7% |
| Participation rate | 79.3% | 61.7%+17.6pp | 70.1%+9.2pp | 68.9%+10.4pp |
| Annual return | 15.72% | 19.09%-3.4pp | 36.89%-21.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,087 | $1,556+34.1% | $2,399-13.0% | $2,596-19.6% |
| Participant deferral / active EE | $4,469 | $3,100+44.2% | $4,137+8.0% | $4,274+4.6% |
| Admin fee / account holder | $9,432 | $6,537+44.3% | $9,741-3.2% | $7,775+21.3% |