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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 | $83,124 | $77,472+7.3% | $100,392-17.2% | $80,935+2.7% |
| Participation rate | 98.3% | 76.9%+21.3pp | 81.5%+16.8pp | 67.7%+30.6pp |
| Annual return | 17.24% | 37.26%-20.0pp | 49.45%-32.2pp | 35.66%-18.4pp |
| Employer contribution / active EE | $1,961 | $2,800-30.0% | $3,941-50.2% | $2,757-28.9% |
| Participant deferral / active EE | $9,122 | $6,818+33.8% | $8,090+12.8% | $4,299+112.2% |
| Admin fee / account holder | $1,696 | $5,885-71.2% | $7,904-78.5% | $6,924-75.5% |