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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 | $91,163 | $72,486+25.8% | $87,103+4.7% | $72,976+24.9% |
| Participation rate | 91.4% | 72.8%+18.6pp | 76.9%+14.6pp | 69.5%+21.9pp |
| Annual return | 23.23% | 24.46%-1.2pp | 28.19%-5.0pp | 81.02%-57.8pp |
| Employer contribution / active EE | $1,193 | $1,894-37.0% | $2,521-52.7% | $2,440-51.1% |
| Participant deferral / active EE | $3,121 | $3,270-4.6% | $4,049-22.9% | $3,608-13.5% |
| Admin fee / account holder | $6,365 | $5,055+25.9% | $7,491-15.0% | $5,124+24.2% |