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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 | $58,859 | $72,486-18.8% | $87,103-32.4% | $72,976-19.3% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.9%+19.4pp | 69.5%+26.8pp |
| Annual return | 23.25% | 24.46%-1.2pp | 28.19%-4.9pp | 81.02%-57.8pp |
| Employer contribution / active EE | $2,124 | $1,894+12.1% | $2,521-15.8% | $2,440-13.0% |
| Participant deferral / active EE | $5,542 | $3,270+69.5% | $4,049+36.9% | $3,608+53.6% |
| Admin fee / account holder | $1,468 | $5,055-71.0% | $7,491-80.4% | $5,124-71.4% |