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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 | $86,987 | $56,544+53.8% | $75,501+15.2% | $70,126+24.0% |
| Participation rate | 87.5% | 68.1%+19.4pp | 72.4%+15.1pp | 69.5%+18.0pp |
| Annual return | 19.16% | 23.59%-4.4pp | 27.35%-8.2pp | 73.15%-54.0pp |
| Employer contribution / active EE | $2,963 | $1,817+63.1% | $2,352+26.0% | $2,343+26.5% |
| Participant deferral / active EE | $3,833 | $2,580+48.6% | $3,142+22.0% | $3,332+15.1% |
| Admin fee / account holder | $2,516 | $3,827-34.2% | $5,801-56.6% | $4,645-45.8% |