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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 | $66,180 | $59,440+11.3% | $78,004-15.2% | $82,637-19.9% |
| Participation rate | 96.2% | 62.8%+33.3pp | 69.4%+26.7pp | 68.1%+28.1pp |
| Annual return | 15.40% | 40.24%-24.8pp | 31.07%-15.7pp | 53.51%-38.1pp |
| Employer contribution / active EE | $1,955 | $1,750+11.7% | $2,469-20.8% | $2,552-23.4% |
| Participant deferral / active EE | $3,770 | $3,138+20.1% | $4,092-7.9% | $4,126-8.6% |
| Admin fee / account holder | $4,676 | $5,504-15.0% | $7,578-38.3% | $7,339-36.3% |