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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 | $86,330+29.9% | $121,871-8.0% | $94,015+19.3% |
| Participation rate | 77.5% | 66.7%+10.8pp | 73.2%+4.3pp | 70.8%+6.7pp |
| Annual return | 17.08% | 14.95%+2.1pp | 13.57%+3.5pp | 17.84%-0.8pp |
| Employer contribution / active EE | $1,566 | $2,292-31.7% | $2,731-42.7% | $2,790-43.9% |
| Participant deferral / active EE | $3,561 | $3,146+13.2% | $4,318-17.5% | $4,249-16.2% |
| Admin fee / account holder | $3,450 | $7,346-53.0% | $11,551-70.1% | $8,951-61.5% |