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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 | $73,787+18.7% | $98,716-11.2% | $82,448+6.3% |
| Participation rate | 92.3% | 61.4%+30.9pp | 69.3%+23.0pp | 68.1%+24.2pp |
| Annual return | 17.19% | 18.57%-1.4pp | 31.81%-14.6pp | 41.64%-24.4pp |
| Employer contribution / active EE | $3,859 | $1,511+155.4% | $2,279+69.4% | $2,551+51.3% |
| Participant deferral / active EE | $3,266 | $3,081+6.0% | $4,048-19.3% | $4,139-21.1% |
| Admin fee / account holder | $749 | $6,500-88.5% | $8,703-91.4% | $7,234-89.6% |