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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 | $94,420 | $69,273+36.3% | $90,796+4.0% | $82,637+14.3% |
| Participation rate | 73.2% | 64.0%+9.1pp | 69.5%+3.7pp | 68.1%+5.1pp |
| Annual return | 18.95% | 18.37%+0.6pp | 19.29%-0.3pp | 53.51%-34.6pp |
| Employer contribution / active EE | $2,070 | $1,865+11.0% | $2,294-9.7% | $2,552-18.9% |
| Participant deferral / active EE | $4,593 | $3,047+50.7% | $3,822+20.2% | $4,126+11.3% |
| Admin fee / account holder | $1,032 | $5,511-81.3% | $7,024-85.3% | $7,339-85.9% |