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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 | $92,214 | $64,920+42.0% | $103,693-11.1% | $86,983+6.0% |
| Participation rate | 74.5% | 63.6%+10.9pp | 72.6%+1.9pp | 69.5%+5.0pp |
| Annual return | 15.76% | 30.29%-14.5pp | 47.61%-31.8pp | 25.83%-10.1pp |
| Employer contribution / active EE | $1,724 | $2,141-19.5% | $2,920-41.0% | $2,584-33.3% |
| Participant deferral / active EE | $3,887 | $3,241+19.9% | $4,579-15.1% | $4,194-7.3% |
| Admin fee / account holder | $11,032 | $6,191+78.2% | $7,858+40.4% | $7,856+40.4% |