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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 | $89,107 | $63,082+41.3% | $81,726+9.0% | $79,856+11.6% |
| Participation rate | 95.0% | 67.5%+27.5pp | 72.0%+23.0pp | 69.6%+25.4pp |
| Annual return | 18.46% | 22.66%-4.2pp | 29.49%-11.0pp | 31.71%-13.3pp |
| Employer contribution / active EE | $1,969 | $1,795+9.7% | $4,311-54.3% | $2,471-20.3% |
| Participant deferral / active EE | $3,763 | $2,780+35.3% | $7,108-47.1% | $3,741+0.6% |
| Admin fee / account holder | $1,138 | $4,428-74.3% | $5,160-77.9% | $5,306-78.5% |