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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 | $82,517 | $72,272+14.2% | $101,264-18.5% | $79,858+3.3% |
| Participation rate | 75.7% | 68.5%+7.2pp | 75.8%-0.1pp | 69.6%+6.0pp |
| Annual return | 16.15% | 22.30%-6.1pp | 46.48%-30.3pp | 31.72%-15.6pp |
| Employer contribution / active EE | $1,615 | $2,692-40.0% | $3,660-55.9% | $2,471-34.6% |
| Participant deferral / active EE | $5,607 | $3,282+70.9% | $4,370+28.3% | $3,740+49.9% |
| Admin fee / account holder | $1,431 | $4,401-67.5% | $5,947-75.9% | $5,306-73.0% |