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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 | $77,574+15.0% | $108,753-18.0% | $86,983+2.6% |
| Participation rate | 87.7% | 62.3%+25.4pp | 71.1%+16.6pp | 69.5%+18.1pp |
| Annual return | 13.23% | 18.42%-5.2pp | 37.47%-24.2pp | 25.83%-12.6pp |
| Employer contribution / active EE | $1,625 | $1,611+0.9% | $2,427-33.0% | $2,584-37.1% |
| Participant deferral / active EE | $3,624 | $3,128+15.8% | $4,115-11.9% | $4,194-13.6% |
| Admin fee / account holder | $17,350 | $6,529+165.8% | $10,320+68.1% | $7,856+120.9% |