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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 | $81,132 | $57,065+42.2% | $75,670+7.2% | $70,131+15.7% |
| Participation rate | 97.7% | 68.1%+29.6pp | 72.3%+25.4pp | 69.5%+28.2pp |
| Annual return | 16.90% | 23.57%-6.7pp | 27.34%-10.4pp | 73.14%-56.2pp |
| Employer contribution / active EE | $1,330 | $1,817-26.8% | $2,352-43.5% | $2,342-43.2% |
| Participant deferral / active EE | $2,793 | $2,580+8.3% | $3,142-11.1% | $3,332-16.2% |
| Admin fee / account holder | $811 | $3,825-78.8% | $5,800-86.0% | $4,645-82.5% |