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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 | $59,183 | $58,512+1.1% | $84,020-29.6% | $72,983-18.9% |
| Participation rate | 88.5% | 61.2%+27.2pp | 69.0%+19.4pp | 69.5%+19.0pp |
| Annual return | 22.52% | 28.93%-6.4pp | 71.31%-48.8pp | 81.01%-58.5pp |
| Employer contribution / active EE | $1,471 | $1,163+26.5% | $1,984-25.8% | $2,440-39.7% |
| Participant deferral / active EE | $3,624 | $2,394+51.4% | $3,239+11.9% | $3,608+0.5% |
| Admin fee / account holder | $703 | $4,569-84.6% | $6,101-88.5% | $5,124-86.3% |