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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 | $86,933 | $56,894+52.8% | $84,753+2.6% | $62,881+38.3% |
| Participation rate | 79.4% | 68.5%+10.9pp | 76.6%+2.8pp | 69.3%+10.1pp |
| Annual return | 10.42% | 6.30%+4.1pp | 22.78%-12.4pp | 20.14%-9.7pp |
| Employer contribution / active EE | $1,570 | $2,400-34.6% | $3,574-56.1% | $2,281-31.2% |
| Participant deferral / active EE | $2,745 | $2,709+1.3% | $3,712-26.1% | $3,203-14.3% |
| Admin fee / account holder | $942 | $3,581-73.7% | $5,333-82.3% | $4,296-78.1% |