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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 | $94,591 | $72,492+30.5% | $87,104+8.6% | $72,975+29.6% |
| Participation rate | 84.8% | 72.8%+12.0pp | 76.9%+7.9pp | 69.5%+15.3pp |
| Annual return | 23.74% | 24.46%-0.7pp | 28.19%-4.5pp | 81.01%-57.3pp |
| Employer contribution / active EE | $1,215 | $1,894-35.9% | $2,521-51.8% | $2,440-50.2% |
| Participant deferral / active EE | $3,750 | $3,270+14.7% | $4,048-7.4% | $3,608+3.9% |
| Admin fee / account holder | $9,075 | $5,055+79.5% | $7,491+21.1% | $5,124+77.1% |