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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 | $75,639 | $72,486+4.4% | $87,103-13.2% | $72,976+3.6% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.9%+15.7pp | 69.5%+23.1pp |
| Annual return | 25.51% | 24.46%+1.0pp | 28.19%-2.7pp | 81.02%-55.5pp |
| Employer contribution / active EE | $1,767 | $1,894-6.7% | $2,521-29.9% | $2,440-27.6% |
| Participant deferral / active EE | $3,923 | $3,270+20.0% | $4,049-3.1% | $3,608+8.7% |
| Admin fee / account holder | $4,265 | $5,055-15.6% | $7,491-43.1% | $5,124-16.8% |