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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 | $67,894+27.6% | $89,340-3.0% | $82,448+5.1% |
| Participation rate | 80.0% | 64.0%+16.0pp | 69.6%+10.4pp | 68.1%+11.9pp |
| Annual return | 17.13% | 19.21%-2.1pp | 20.57%-3.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $4,071 | $1,828+122.7% | $2,231+82.4% | $2,551+59.6% |
| Participant deferral / active EE | $2,888 | $3,072-6.0% | $3,823-24.5% | $4,139-30.2% |
| Admin fee / account holder | $1,864 | $5,723-67.4% | $6,704-72.2% | $7,234-74.2% |