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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 | $56,746 | $52,306+8.5% | $69,779-18.7% | $62,881-9.8% |
| Participation rate | 85.1% | 67.2%+17.9pp | 71.8%+13.3pp | 69.3%+15.8pp |
| Annual return | 9.58% | 13.35%-3.8pp | 12.99%-3.4pp | 20.14%-10.6pp |
| Employer contribution / active EE | $1,721 | $1,799-4.3% | $2,338-26.4% | $2,281-24.5% |
| Participant deferral / active EE | $2,850 | $2,395+19.0% | $2,931-2.8% | $3,203-11.0% |
| Admin fee / account holder | $6,072 | $3,691+64.5% | $4,381+38.6% | $4,296+41.4% |