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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 | $86,640 | $63,082+37.3% | $81,726+6.0% | $79,856+8.5% |
| Participation rate | 79.6% | 67.5%+12.1pp | 72.0%+7.6pp | 69.6%+10.0pp |
| Annual return | 16.79% | 22.66%-5.9pp | 29.49%-12.7pp | 31.71%-14.9pp |
| Employer contribution / active EE | $1,177 | $1,795-34.4% | $4,311-72.7% | $2,471-52.4% |
| Participant deferral / active EE | $4,601 | $2,780+65.5% | $7,108-35.3% | $3,741+23.0% |
| Admin fee / account holder | $2,175 | $4,428-50.9% | $5,160-57.8% | $5,306-59.0% |