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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 | $77,812 | $60,349+28.9% | $74,184+4.9% | $62,881+23.7% |
| Participation rate | 86.2% | 72.7%+13.4pp | 76.6%+9.5pp | 69.3%+16.8pp |
| Annual return | 9.09% | 21.38%-12.3pp | 17.74%-8.6pp | 20.14%-11.1pp |
| Employer contribution / active EE | $2,124 | $1,680+26.4% | $2,370-10.4% | $2,281-6.9% |
| Participant deferral / active EE | $5,784 | $2,856+102.5% | $3,550+63.0% | $3,203+80.6% |
| Admin fee / account holder | $1,774 | $4,261-58.4% | $5,586-68.2% | $4,296-58.7% |