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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 | $63,580 | $67,602-5.9% | $82,312-22.8% | $70,126-9.3% |
| Participation rate | 85.7% | 72.8%+12.9pp | 76.9%+8.8pp | 69.5%+16.2pp |
| Annual return | 27.77% | 21.57%+6.2pp | 25.88%+1.9pp | 73.15%-45.4pp |
| Employer contribution / active EE | $1,916 | $1,755+9.2% | $2,428-21.1% | $2,343-18.2% |
| Participant deferral / active EE | $4,329 | $2,987+44.9% | $3,706+16.8% | $3,332+29.9% |
| Admin fee / account holder | $3,950 | $4,512-12.5% | $5,608-29.6% | $4,645-15.0% |