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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 | $51,295 | $54,763-6.3% | $90,324-43.2% | $72,976-29.7% |
| Participation rate | 88.7% | 65.2%+23.5pp | 73.3%+15.4pp | 69.5%+19.2pp |
| Annual return | 20.18% | 30.63%-10.5pp | 78.15%-58.0pp | 81.02%-60.8pp |
| Employer contribution / active EE | $2,778 | $2,093+32.7% | $2,856-2.7% | $2,440+13.9% |
| Participant deferral / active EE | $3,975 | $2,887+37.7% | $3,885+2.3% | $3,608+10.2% |
| Admin fee / account holder | $6,855 | $3,973+72.5% | $5,356+28.0% | $5,124+33.8% |