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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 | $87,618 | $77,574+12.9% | $108,753-19.4% | $86,983+0.7% |
| Participation rate | 92.3% | 62.3%+30.0pp | 71.1%+21.2pp | 69.5%+22.8pp |
| Annual return | 17.19% | 18.42%-1.2pp | 37.47%-20.3pp | 25.83%-8.6pp |
| Employer contribution / active EE | $3,859 | $1,611+139.6% | $2,427+59.0% | $2,584+49.3% |
| Participant deferral / active EE | $3,266 | $3,128+4.4% | $4,115-20.6% | $4,194-22.1% |
| Admin fee / account holder | $749 | $6,529-88.5% | $10,320-92.7% | $7,856-90.5% |