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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 | $87,193 | $124,980-30.2% | $108,359-19.5% | $154,746-43.7% |
| Participation rate | 95.7% | 75.2%+20.5pp | 70.1%+25.5pp | 80.7%+15.0pp |
| Annual return | 16.25% | 45.00%-28.8pp | 36.89%-20.6pp | 172.34%-156.1pp |
| Employer contribution / active EE | $1,905 | $2,851-33.2% | $2,399-20.6% | $4,379-56.5% |
| Participant deferral / active EE | $4,787 | $4,743+0.9% | $4,137+15.7% | $6,730-28.9% |
| Admin fee / account holder | $1,410 | $11,502-87.7% | $9,741-85.5% | $14,365-90.2% |