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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 | $86,196 | $57,119+50.9% | $85,187+1.2% | $80,935+6.5% |
| Participation rate | 80.6% | 56.4%+24.2pp | 67.5%+13.1pp | 67.7%+12.9pp |
| Annual return | 17.70% | 21.70%-4.0pp | 66.67%-49.0pp | 35.66%-18.0pp |
| Employer contribution / active EE | $2,161 | $1,802+20.0% | $2,732-20.9% | $2,757-21.6% |
| Participant deferral / active EE | $4,277 | $3,115+37.3% | $4,525-5.5% | $4,299-0.5% |
| Admin fee / account holder | $1,011 | $4,990-79.7% | $6,162-83.6% | $6,924-85.4% |