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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 | $69,444+10.6% | $92,985-17.4% | $87,485-12.2% |
| Participation rate | 93.1% | 63.3%+29.8pp | 69.5%+23.6pp | 68.9%+24.2pp |
| Annual return | 12.79% | 23.85%-11.1pp | 27.99%-15.2pp | 26.06%-13.3pp |
| Employer contribution / active EE | $2,026 | $1,917+5.7% | $2,662-23.9% | $2,596-22.0% |
| Participant deferral / active EE | $3,666 | $3,364+9.0% | $4,377-16.2% | $4,274-14.2% |
| Admin fee / account holder | $15,267 | $6,137+148.8% | $9,463+61.3% | $7,775+96.4% |