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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 | $58,627+12.9% | $76,735-13.8% | $82,448-19.7% |
| Participation rate | 96.2% | 63.2%+32.9pp | 69.5%+26.7pp | 68.1%+28.1pp |
| Annual return | 15.40% | 39.10%-23.7pp | 29.77%-14.4pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,955 | $1,729+13.1% | $2,454-20.3% | $2,551-23.4% |
| Participant deferral / active EE | $3,770 | $3,134+20.3% | $4,088-7.8% | $4,139-8.9% |
| Admin fee / account holder | $4,676 | $5,323-12.1% | $7,189-35.0% | $7,234-35.4% |