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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 | $86,663 | $72,607+19.4% | $90,259-4.0% | $87,485-0.9% |
| Participation rate | 80.0% | 64.8%+15.2pp | 70.7%+9.3pp | 68.9%+11.1pp |
| Annual return | 17.13% | 18.59%-1.5pp | 18.88%-1.7pp | 26.06%-8.9pp |
| Employer contribution / active EE | $4,071 | $1,919+112.1% | $2,291+77.7% | $2,596+56.8% |
| Participant deferral / active EE | $2,888 | $3,055-5.5% | $3,827-24.5% | $4,274-32.4% |
| Admin fee / account holder | $1,864 | $5,947-68.7% | $7,267-74.3% | $7,775-76.0% |