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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 | $89,206 | $76,834+16.1% | $108,359-17.7% | $87,485+2.0% |
| Participation rate | 87.7% | 61.7%+25.9pp | 70.1%+17.5pp | 68.9%+18.7pp |
| Annual return | 13.23% | 19.09%-5.9pp | 36.89%-23.7pp | 26.06%-12.8pp |
| Employer contribution / active EE | $1,625 | $1,556+4.4% | $2,399-32.3% | $2,596-37.4% |
| Participant deferral / active EE | $3,624 | $3,100+16.9% | $4,137-12.4% | $4,274-15.2% |
| Admin fee / account holder | $17,350 | $6,537+165.4% | $9,741+78.1% | $7,775+123.2% |