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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 | $82,639 | $72,492+14.0% | $87,102-5.1% | $72,983+13.2% |
| Participation rate | 89.7% | 72.8%+16.9pp | 76.9%+12.9pp | 69.5%+20.3pp |
| Annual return | 39.53% | 24.46%+15.1pp | 28.19%+11.3pp | 81.01%-41.5pp |
| Employer contribution / active EE | $1,388 | $1,894-26.7% | $2,521-45.0% | $2,440-43.1% |
| Participant deferral / active EE | $3,352 | $3,270+2.5% | $4,048-17.2% | $3,608-7.1% |
| Admin fee / account holder | $7,227 | $5,055+43.0% | $7,491-3.5% | $5,124+41.0% |