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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 | $67,894+65.1% | $89,340+25.5% | $82,448+36.0% |
| Participation rate | 77.5% | 64.0%+13.5pp | 69.6%+7.9pp | 68.1%+9.4pp |
| Annual return | 17.08% | 19.21%-2.1pp | 20.57%-3.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,566 | $1,828-14.4% | $2,231-29.8% | $2,551-38.6% |
| Participant deferral / active EE | $3,561 | $3,072+15.9% | $3,823-6.8% | $4,139-14.0% |
| Admin fee / account holder | $3,450 | $5,723-39.7% | $6,704-48.5% | $7,234-52.3% |