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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 | $76,786 | $76,564+0.3% | $105,582-27.3% | $94,015-18.3% |
| Participation rate | 93.1% | 65.2%+27.9pp | 71.8%+21.3pp | 70.8%+22.3pp |
| Annual return | 12.79% | 20.69%-7.9pp | 18.61%-5.8pp | 17.84%-5.1pp |
| Employer contribution / active EE | $2,026 | $1,995+1.6% | $2,984-32.1% | $2,790-27.4% |
| Participant deferral / active EE | $3,666 | $3,320+10.4% | $4,353-15.8% | $4,249-13.7% |
| Admin fee / account holder | $15,267 | $7,129+114.2% | $12,856+18.8% | $8,951+70.6% |