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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 | $79,086 | $63,845+23.9% | $81,370-2.8% | $80,959-2.3% |
| Participation rate | 87.5% | 63.9%+23.6pp | 69.5%+18.0pp | 67.7%+19.8pp |
| Annual return | 14.32% | 16.37%-2.0pp | 24.85%-10.5pp | 35.67%-21.3pp |
| Employer contribution / active EE | $2,333 | $1,980+17.8% | $2,464-5.3% | $2,757-15.4% |
| Participant deferral / active EE | $7,555 | $3,093+144.3% | $3,885+94.5% | $4,300+75.7% |
| Admin fee / account holder | $918 | $5,688-83.9% | $5,749-84.0% | $6,925-86.7% |