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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 | $126,437 | $76,371+65.6% | $93,621+35.1% | $72,976+73.3% |
| Participation rate | 97.6% | 71.8%+25.8pp | 75.8%+21.7pp | 69.5%+28.1pp |
| Annual return | 20.99% | 25.82%-4.8pp | 32.76%-11.8pp | 81.02%-60.0pp |
| Employer contribution / active EE | $1,472 | $2,276-35.3% | $2,719-45.9% | $2,440-39.7% |
| Participant deferral / active EE | $3,329 | $3,538-5.9% | $4,070-18.2% | $3,608-7.7% |
| Admin fee / account holder | $2,457 | $6,839-64.1% | $7,890-68.9% | $5,124-52.0% |