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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 | $118,075 | $95,453+23.7% | $112,040+5.4% | $82,448+43.2% |
| Participation rate | 78.8% | 72.8%+6.1pp | 76.5%+2.4pp | 68.1%+10.8pp |
| Annual return | 14.88% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,782 | $2,318-23.1% | $2,954-39.7% | $2,551-30.1% |
| Participant deferral / active EE | $3,621 | $4,224-14.3% | $5,098-29.0% | $4,139-12.5% |
| Admin fee / account holder | $1,251 | $9,013-86.1% | $12,098-89.7% | $7,234-82.7% |