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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 | $94,640 | $108,825-13.0% | $156,181-39.4% | $82,448+14.8% |
| Participation rate | 88.9% | 72.4%+16.5pp | 78.8%+10.1pp | 68.1%+20.8pp |
| Annual return | 19.25% | 20.59%-1.3pp | 64.87%-45.6pp | 41.64%-22.4pp |
| Employer contribution / active EE | $3,529 | $2,870+23.0% | $4,294-17.8% | $2,551+38.3% |
| Participant deferral / active EE | $5,220 | $4,577+14.0% | $6,132-14.9% | $4,139+26.1% |
| Admin fee / account holder | $2,296 | $9,341-75.4% | $14,586-84.3% | $7,234-68.3% |