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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 | $75,344 | $58,493+28.8% | $84,023-10.3% | $72,976+3.2% |
| Participation rate | 71.2% | 61.2%+9.9pp | 69.0%+2.1pp | 69.5%+1.7pp |
| Annual return | 20.35% | 28.93%-8.6pp | 71.32%-51.0pp | 81.02%-60.7pp |
| Employer contribution / active EE | $1,130 | $1,163-2.8% | $1,984-43.0% | $2,440-53.7% |
| Participant deferral / active EE | $4,229 | $2,394+76.7% | $3,239+30.6% | $3,608+17.2% |
| Admin fee / account holder | $1,173 | $4,569-74.3% | $6,102-80.8% | $5,124-77.1% |