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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 | $78,394 | $72,486+8.2% | $87,103-10.0% | $72,976+7.4% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.9%+17.7pp | 69.5%+25.1pp |
| Annual return | 19.68% | 24.46%-4.8pp | 28.19%-8.5pp | 81.02%-61.3pp |
| Employer contribution / active EE | $2,655 | $1,894+40.2% | $2,521+5.3% | $2,440+8.8% |
| Participant deferral / active EE | $3,477 | $3,270+6.3% | $4,049-14.1% | $3,608-3.6% |
| Admin fee / account holder | $9,655 | $5,055+91.0% | $7,491+28.9% | $5,124+88.4% |