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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 | $77,679 | $76,371+1.7% | $93,621-17.0% | $72,975+6.4% |
| Participation rate | 98.3% | 71.8%+26.6pp | 75.8%+22.5pp | 69.5%+28.8pp |
| Annual return | 21.28% | 25.82%-4.5pp | 32.76%-11.5pp | 81.01%-59.7pp |
| Employer contribution / active EE | $1,593 | $2,276-30.0% | $2,719-41.4% | $2,440-34.7% |
| Participant deferral / active EE | $3,833 | $3,538+8.3% | $4,070-5.8% | $3,608+6.2% |
| Admin fee / account holder | $1,380 | $6,839-79.8% | $7,890-82.5% | $5,124-73.1% |