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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 | $93,165 | $54,541+70.8% | $78,778+18.3% | $70,126+32.9% |
| Participation rate | 89.3% | 60.8%+28.5pp | 69.2%+20.1pp | 69.5%+19.7pp |
| Annual return | 18.15% | 21.07%-2.9pp | 35.62%-17.5pp | 73.15%-55.0pp |
| Employer contribution / active EE | $1,430 | $1,089+31.3% | $1,986-28.0% | $2,343-39.0% |
| Participant deferral / active EE | $3,511 | $2,210+58.9% | $2,958+18.7% | $3,332+5.4% |
| Admin fee / account holder | $1,638 | $3,709-55.8% | $5,134-68.1% | $4,645-64.8% |