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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 | $91,947 | $80,992+13.5% | $96,534-4.8% | $75,173+22.3% |
| Participation rate | 89.2% | 71.8%+17.4pp | 76.0%+13.2pp | 67.2%+22.0pp |
| Annual return | 26.84% | 27.05%-0.2pp | 25.88%+1.0pp | 160.72%-133.9pp |
| Employer contribution / active EE | $5,529 | $2,283+142.2% | $2,965+86.5% | $2,671+107.0% |
| Participant deferral / active EE | $5,271 | $3,929+34.1% | $4,851+8.7% | $4,126+27.7% |
| Admin fee / account holder | $1,287 | $6,717-80.8% | $8,253-84.4% | $5,651-77.2% |