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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 | $96,554 | $76,371+26.4% | $93,621+3.1% | $72,976+32.3% |
| Participation rate | 77.8% | 71.8%+6.0pp | 75.8%+1.9pp | 69.5%+8.3pp |
| Annual return | 22.20% | 25.82%-3.6pp | 32.76%-10.6pp | 81.02%-58.8pp |
| Employer contribution / active EE | $4,552 | $2,276+100.0% | $2,719+67.4% | $2,440+86.6% |
| Participant deferral / active EE | $3,777 | $3,538+6.7% | $4,070-7.2% | $3,608+4.7% |
| Admin fee / account holder | $2,467 | $6,839-63.9% | $7,890-68.7% | $5,124-51.9% |