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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 | $90,866 | $67,411+34.8% | $91,004-0.2% | $70,126+29.6% |
| Participation rate | 85.2% | 71.4%+13.9pp | 75.6%+9.6pp | 69.5%+15.7pp |
| Annual return | 14.38% | -40.16%+54.5pp | 4.60%+9.8pp | 73.15%-58.8pp |
| Employer contribution / active EE | $1,949 | $1,786+9.2% | $2,456-20.6% | $2,343-16.8% |
| Participant deferral / active EE | $3,946 | $2,823+39.8% | $3,548+11.2% | $3,332+18.4% |
| Admin fee / account holder | $9,554 | $4,236+125.5% | $5,417+76.4% | $4,645+105.7% |