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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 | $83,267 | $69,444+19.9% | $92,985-10.5% | $87,485-4.8% |
| Participation rate | 81.5% | 63.3%+18.2pp | 69.5%+12.0pp | 68.9%+12.5pp |
| Annual return | 16.23% | 23.85%-7.6pp | 27.99%-11.8pp | 26.06%-9.8pp |
| Employer contribution / active EE | $2,762 | $1,917+44.1% | $2,662+3.7% | $2,596+6.4% |
| Participant deferral / active EE | $5,502 | $3,364+63.6% | $4,377+25.7% | $4,274+28.8% |
| Admin fee / account holder | $1,486 | $6,137-75.8% | $9,463-84.3% | $7,775-80.9% |