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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 | $82,573 | $80,992+2.0% | $96,534-14.5% | $75,173+9.8% |
| Participation rate | 85.2% | 71.8%+13.4pp | 76.0%+9.2pp | 67.2%+18.0pp |
| Annual return | 22.78% | 27.05%-4.3pp | 25.88%-3.1pp | 160.72%-137.9pp |
| Employer contribution / active EE | $3,112 | $2,283+36.3% | $2,965+4.9% | $2,671+16.5% |
| Participant deferral / active EE | $9,794 | $3,929+149.2% | $4,851+101.9% | $4,126+137.4% |
| Admin fee / account holder | $1,319 | $6,717-80.4% | $8,253-84.0% | $5,651-76.7% |