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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 | $88,265 | $67,606+30.6% | $82,313+7.2% | $70,131+25.9% |
| Participation rate | 87.2% | 72.8%+14.5pp | 76.9%+10.3pp | 69.5%+17.7pp |
| Annual return | 16.91% | 21.57%-4.7pp | 25.88%-9.0pp | 73.14%-56.2pp |
| Employer contribution / active EE | $2,380 | $1,755+35.6% | $2,428-2.0% | $2,342+1.6% |
| Participant deferral / active EE | $5,577 | $2,987+86.7% | $3,706+50.5% | $3,332+67.4% |
| Admin fee / account holder | $1,519 | $4,512-66.3% | $5,608-72.9% | $4,645-67.3% |