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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 | $91,374 | $77,896+17.3% | $134,172-31.9% | $82,448+10.8% |
| Participation rate | 98.6% | 62.8%+35.8pp | 72.5%+26.2pp | 68.1%+30.6pp |
| Annual return | 17.06% | 18.21%-1.2pp | 25.30%-8.2pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,793 | $2,159+29.3% | $3,420-18.3% | $2,551+9.5% |
| Participant deferral / active EE | $2,022 | $3,162-36.1% | $4,690-56.9% | $4,139-51.1% |
| Admin fee / account holder | $2,482 | $6,336-60.8% | $12,016-79.3% | $7,234-65.7% |