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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 | $96,050 | $57,073+68.3% | $85,126+12.8% | $80,925+18.7% |
| Participation rate | 96.0% | 56.4%+39.6pp | 67.5%+28.5pp | 67.7%+28.3pp |
| Annual return | 16.53% | 21.69%-5.2pp | 66.63%-50.1pp | 35.65%-19.1pp |
| Employer contribution / active EE | $1,790 | $1,801-0.6% | $2,731-34.5% | $2,756-35.1% |
| Participant deferral / active EE | $3,323 | $3,113+6.7% | $4,523-26.5% | $4,299-22.7% |
| Admin fee / account holder | $5,367 | $4,988+7.6% | $6,160-12.9% | $6,940-22.7% |