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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 | $86,662 | $73,787+17.4% | $98,716-12.2% | $82,448+5.1% |
| Participation rate | 92.6% | 61.4%+31.2pp | 69.3%+23.3pp | 68.1%+24.5pp |
| Annual return | 12.60% | 18.57%-6.0pp | 31.81%-19.2pp | 41.64%-29.0pp |
| Employer contribution / active EE | $2,227 | $1,511+47.4% | $2,279-2.3% | $2,551-12.7% |
| Participant deferral / active EE | $3,640 | $3,081+18.1% | $4,048-10.1% | $4,139-12.1% |
| Admin fee / account holder | $3,202 | $6,500-50.7% | $8,703-63.2% | $7,234-55.7% |