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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 | $129,733 | $58,523+121.7% | $99,475+30.4% | $72,975+77.8% |
| Participation rate | 76.6% | 64.6%+12.0pp | 73.8%+2.8pp | 69.5%+7.1pp |
| Annual return | 21.04% | 28.51%-7.5pp | 30.72%-9.7pp | 81.01%-60.0pp |
| Employer contribution / active EE | $1,895 | $1,512+25.4% | $2,540-25.4% | $2,440-22.3% |
| Participant deferral / active EE | $3,892 | $2,606+49.4% | $3,619+7.6% | $3,608+7.9% |
| Admin fee / account holder | $3,038 | $4,102-25.9% | $6,252-51.4% | $5,124-40.7% |