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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 | $96,321 | $67,411+42.9% | $91,004+5.8% | $70,126+37.4% |
| Participation rate | 97.6% | 71.4%+26.2pp | 75.6%+22.0pp | 69.5%+28.0pp |
| Annual return | 15.83% | -40.16%+56.0pp | 4.60%+11.2pp | 73.15%-57.3pp |
| Employer contribution / active EE | $2,384 | $1,786+33.5% | $2,456-2.9% | $2,343+1.8% |
| Participant deferral / active EE | $3,681 | $2,823+30.4% | $3,548+3.8% | $3,332+10.5% |
| Admin fee / account holder | $1,233 | $4,236-70.9% | $5,417-77.2% | $4,645-73.5% |