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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 | $76,472 | $67,602+13.1% | $82,312-7.1% | $70,126+9.0% |
| Participation rate | 83.8% | 72.8%+11.0pp | 76.9%+6.9pp | 69.5%+14.2pp |
| Annual return | 18.74% | 21.57%-2.8pp | 25.88%-7.1pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,988 | $1,755+13.3% | $2,428-18.1% | $2,343-15.1% |
| Participant deferral / active EE | $4,042 | $2,987+35.3% | $3,706+9.1% | $3,332+21.3% |
| Admin fee / account holder | $2,719 | $4,512-39.7% | $5,608-51.5% | $4,645-41.5% |