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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 | $84,541 | $73,978+14.3% | $96,515-12.4% | $75,173+12.5% |
| Participation rate | 96.6% | 66.4%+30.1pp | 74.3%+22.2pp | 67.2%+29.3pp |
| Annual return | 16.20% | 26.72%-10.5pp | 35.73%-19.5pp | 160.72%-144.5pp |
| Employer contribution / active EE | $2,340 | $2,931-20.2% | $3,740-37.4% | $2,671-12.4% |
| Participant deferral / active EE | $3,077 | $3,660-15.9% | $4,880-36.9% | $4,126-25.4% |
| Admin fee / account holder | $3,490 | $5,219-33.1% | $6,735-48.2% | $5,651-38.2% |