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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 | $96,952 | $58,493+65.7% | $84,021+15.4% | $72,975+32.9% |
| Participation rate | 76.0% | 61.2%+14.8pp | 69.0%+7.0pp | 69.5%+6.5pp |
| Annual return | 19.42% | 28.93%-9.5pp | 71.32%-51.9pp | 81.01%-61.6pp |
| Employer contribution / active EE | $1,150 | $1,163-1.1% | $1,984-42.0% | $2,440-52.9% |
| Participant deferral / active EE | $4,083 | $2,394+70.6% | $3,239+26.1% | $3,608+13.2% |
| Admin fee / account holder | $5,110 | $4,569+11.8% | $6,102-16.3% | $5,124-0.3% |