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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 | $75,720+48.1% | $90,312+24.1% | $86,983+28.9% |
| Participation rate | 77.5% | 66.3%+11.2pp | 72.9%+4.6pp | 69.5%+8.0pp |
| Annual return | 17.08% | 18.55%-1.5pp | 18.90%-1.8pp | 25.83%-8.7pp |
| Employer contribution / active EE | $1,566 | $1,945-19.5% | $2,243-30.2% | $2,584-39.4% |
| Participant deferral / active EE | $3,561 | $3,001+18.7% | $3,749-5.0% | $4,194-15.1% |
| Admin fee / account holder | $3,450 | $6,201-44.4% | $8,248-58.2% | $7,856-56.1% |