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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 | $73,029 | $67,602+8.0% | $82,312-11.3% | $70,126+4.1% |
| Participation rate | 91.5% | 72.8%+18.8pp | 76.9%+14.7pp | 69.5%+22.0pp |
| Annual return | 19.84% | 21.57%-1.7pp | 25.88%-6.0pp | 73.15%-53.3pp |
| Employer contribution / active EE | $2,084 | $1,755+18.7% | $2,428-14.2% | $2,343-11.0% |
| Participant deferral / active EE | $4,078 | $2,987+36.5% | $3,706+10.0% | $3,332+22.4% |
| Admin fee / account holder | $820 | $4,512-81.8% | $5,608-85.4% | $4,645-82.3% |