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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 | $66,473 | $54,541+21.9% | $78,778-15.6% | $70,126-5.2% |
| Participation rate | 95.0% | 60.8%+34.2pp | 69.2%+25.8pp | 69.5%+25.5pp |
| Annual return | 20.99% | 21.07%-0.1pp | 35.62%-14.6pp | 73.15%-52.2pp |
| Employer contribution / active EE | $1,644 | $1,089+51.1% | $1,986-17.2% | $2,343-29.8% |
| Participant deferral / active EE | $3,965 | $2,210+79.4% | $2,958+34.0% | $3,332+19.0% |
| Admin fee / account holder | $449 | $3,709-87.9% | $5,134-91.3% | $4,645-90.3% |