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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 | $123,963 | $114,712+8.1% | $173,730-28.6% | $87,485+41.7% |
| Participation rate | 90.0% | 73.0%+17.0pp | 79.6%+10.4pp | 68.9%+21.1pp |
| Annual return | 15.95% | 20.18%-4.2pp | 19.96%-4.0pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,755 | $2,904-39.6% | $4,577-61.7% | $2,596-32.4% |
| Participant deferral / active EE | $4,040 | $4,642-13.0% | $6,326-36.1% | $4,274-5.5% |
| Admin fee / account holder | $2,242 | $10,210-78.0% | $17,523-87.2% | $7,775-71.2% |