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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 | $112,120 | $72,607+54.4% | $90,259+24.2% | $87,485+28.2% |
| Participation rate | 77.5% | 64.8%+12.7pp | 70.7%+6.8pp | 68.9%+8.6pp |
| Annual return | 17.08% | 18.59%-1.5pp | 18.88%-1.8pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,566 | $1,919-18.4% | $2,291-31.7% | $2,596-39.7% |
| Participant deferral / active EE | $3,561 | $3,055+16.6% | $3,827-6.9% | $4,274-16.7% |
| Admin fee / account holder | $3,450 | $5,947-42.0% | $7,267-52.5% | $7,775-55.6% |