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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 | $96,605 | $64,359+50.1% | $90,161+7.1% | $70,124+37.8% |
| Participation rate | 84.6% | 70.4%+14.2pp | 76.9%+7.7pp | 69.5%+15.1pp |
| Annual return | 26.01% | 28.13%-2.1pp | 34.89%-8.9pp | 73.14%-47.1pp |
| Employer contribution / active EE | $2,332 | $2,046+14.0% | $3,318-29.7% | $2,342-0.4% |
| Participant deferral / active EE | $4,283 | $4,389-2.4% | $5,287-19.0% | $3,332+28.5% |
| Admin fee / account holder | $1,264 | $3,945-68.0% | $5,943-78.7% | $4,645-72.8% |