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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 | $81,041 | $64,359+25.9% | $90,161-10.1% | $70,126+15.6% |
| Participation rate | 91.7% | 70.4%+21.2pp | 76.9%+14.8pp | 69.5%+22.1pp |
| Annual return | 14.71% | 28.13%-13.4pp | 34.89%-20.2pp | 73.15%-58.4pp |
| Employer contribution / active EE | $2,106 | $2,046+2.9% | $3,318-36.5% | $2,343-10.1% |
| Participant deferral / active EE | $4,002 | $4,389-8.8% | $5,287-24.3% | $3,332+20.1% |
| Admin fee / account holder | $2,452 | $3,945-37.8% | $5,943-58.7% | $4,645-47.2% |