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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 | $82,293 | $54,541+50.9% | $78,778+4.5% | $70,126+17.4% |
| Participation rate | 76.7% | 60.8%+15.9pp | 69.2%+7.5pp | 69.5%+7.1pp |
| Annual return | 15.19% | 21.07%-5.9pp | 35.62%-20.4pp | 73.15%-58.0pp |
| Employer contribution / active EE | $1,432 | $1,089+31.6% | $1,986-27.9% | $2,343-38.9% |
| Participant deferral / active EE | $3,743 | $2,210+69.3% | $2,958+26.5% | $3,332+12.3% |
| Admin fee / account holder | $1,040 | $3,709-71.9% | $5,134-79.7% | $4,645-77.6% |