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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 | $73,106 | $64,359+13.6% | $90,161-18.9% | $70,126+4.2% |
| Participation rate | 96.8% | 70.4%+26.3pp | 76.9%+19.9pp | 69.5%+27.2pp |
| Annual return | 15.55% | 28.13%-12.6pp | 34.89%-19.3pp | 73.15%-57.6pp |
| Employer contribution / active EE | $3,062 | $2,046+49.7% | $3,318-7.7% | $2,343+30.7% |
| Participant deferral / active EE | $6,239 | $4,389+42.1% | $5,287+18.0% | $3,332+87.2% |
| Admin fee / account holder | $413 | $3,945-89.5% | $5,943-93.0% | $4,645-91.1% |