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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 | $79,305 | $58,493+35.6% | $84,021-5.6% | $72,975+8.7% |
| Participation rate | 85.3% | 61.2%+24.1pp | 69.0%+16.3pp | 69.5%+15.8pp |
| Annual return | 21.21% | 28.93%-7.7pp | 71.32%-50.1pp | 81.01%-59.8pp |
| Employer contribution / active EE | $4,237 | $1,163+264.3% | $1,984+113.6% | $2,440+73.6% |
| Participant deferral / active EE | $3,475 | $2,394+45.1% | $3,239+7.3% | $3,608-3.7% |
| Admin fee / account holder | $1,334 | $4,569-70.8% | $6,102-78.1% | $5,124-74.0% |