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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 | $84,942 | $67,602+25.7% | $82,312+3.2% | $70,126+21.1% |
| Participation rate | 85.2% | 72.8%+12.5pp | 76.9%+8.4pp | 69.5%+15.7pp |
| Annual return | 12.48% | 21.57%-9.1pp | 25.88%-13.4pp | 73.15%-60.7pp |
| Employer contribution / active EE | $1,612 | $1,755-8.1% | $2,428-33.6% | $2,343-31.2% |
| Participant deferral / active EE | $4,807 | $2,987+60.9% | $3,706+29.7% | $3,332+44.3% |
| Admin fee / account holder | $4,023 | $4,512-10.8% | $5,608-28.3% | $4,645-13.4% |