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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 | $55,398 | $52,580+5.4% | $71,671-22.7% | $70,126-21.0% |
| Participation rate | 82.4% | 60.9%+21.5pp | 68.7%+13.6pp | 69.5%+12.8pp |
| Annual return | 16.78% | 20.25%-3.5pp | 20.65%-3.9pp | 73.15%-56.4pp |
| Employer contribution / active EE | $2,200 | $1,616+36.1% | $2,460-10.6% | $2,343-6.1% |
| Participant deferral / active EE | $3,722 | $2,386+56.0% | $3,438+8.2% | $3,332+11.7% |
| Admin fee / account holder | $3,213 | $3,653-12.0% | $5,558-42.2% | $4,645-30.8% |