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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 | $93,067 | $83,485+11.5% | $125,192-25.7% | $72,975+27.5% |
| Participation rate | 88.5% | 73.3%+15.2pp | 79.8%+8.7pp | 69.5%+19.0pp |
| Annual return | 23.50% | 25.77%-2.3pp | 43.79%-20.3pp | 81.01%-57.5pp |
| Employer contribution / active EE | $2,834 | $2,346+20.8% | $3,866-26.7% | $2,440+16.2% |
| Participant deferral / active EE | $6,518 | $3,586+81.7% | $4,937+32.0% | $3,608+80.7% |
| Admin fee / account holder | $1,765 | $5,518-68.0% | $9,704-81.8% | $5,124-65.6% |