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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 | $54,679 | $49,025+11.5% | $87,502-37.5% | $62,881-13.0% |
| Participation rate | 95.6% | 64.9%+30.7pp | 73.8%+21.7pp | 69.3%+26.3pp |
| Annual return | 10.87% | 10.02%+0.8pp | 12.21%-1.3pp | 20.14%-9.3pp |
| Employer contribution / active EE | $2,162 | $1,372+57.6% | $2,550-15.2% | $2,281-5.2% |
| Participant deferral / active EE | $3,349 | $2,289+46.3% | $3,149+6.4% | $3,203+4.6% |
| Admin fee / account holder | $481 | $4,065-88.2% | $4,221-88.6% | $4,296-88.8% |