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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 | $77,492+7.3% | $100,398-17.2% | $80,911+2.7% |
| Participation rate | 98.3% | 76.9%+21.3pp | 81.5%+16.8pp | 67.6%+30.6pp |
| Annual return | 17.24% | 37.23%-20.0pp | 49.32%-32.1pp | 35.63%-18.4pp |
| Employer contribution / active EE | $1,961 | $2,800-30.0% | $3,946-50.3% | $2,756-28.8% |
| Participant deferral / active EE | $9,122 | $6,817+33.8% | $8,084+12.8% | $4,297+112.3% |
| Admin fee / account holder | $1,696 | $5,892-71.2% | $7,893-78.5% | $6,935-75.5% |