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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 | $77,337 | $63,764+21.3% | $81,926-5.6% | $79,858-3.2% |
| Participation rate | 71.4% | 67.5%+3.9pp | 72.0%-0.6pp | 69.6%+1.8pp |
| Annual return | 15.13% | 22.66%-7.5pp | 29.49%-14.4pp | 31.72%-16.6pp |
| Employer contribution / active EE | $1,923 | $1,795+7.1% | $4,310-55.4% | $2,471-22.2% |
| Participant deferral / active EE | $2,784 | $2,780+0.1% | $7,108-60.8% | $3,740-25.6% |
| Admin fee / account holder | $1,133 | $4,426-74.4% | $5,159-78.0% | $5,306-78.7% |