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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 | $87,934 | $86,949+1.1% | $102,460-14.2% | $80,959+8.6% |
| Participation rate | 93.9% | 72.4%+21.5pp | 76.5%+17.4pp | 67.7%+26.2pp |
| Annual return | 14.92% | 18.89%-4.0pp | 29.47%-14.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $3,197 | $2,370+34.9% | $3,025+5.7% | $2,757+16.0% |
| Participant deferral / active EE | $3,314 | $4,121-19.6% | $5,056-34.5% | $4,300-22.9% |
| Admin fee / account holder | $1,629 | $8,048-79.8% | $9,460-82.8% | $6,925-76.5% |