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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 | $75,267 | $64,359+16.9% | $90,161-16.5% | $70,126+7.3% |
| Participation rate | 89.2% | 70.4%+18.7pp | 76.9%+12.3pp | 69.5%+19.6pp |
| Annual return | 29.21% | 28.13%+1.1pp | 34.89%-5.7pp | 73.15%-43.9pp |
| Employer contribution / active EE | $2,512 | $2,046+22.8% | $3,318-24.3% | $2,343+7.2% |
| Participant deferral / active EE | $4,700 | $4,389+7.1% | $5,287-11.1% | $3,332+41.1% |
| Admin fee / account holder | $2,411 | $3,945-38.9% | $5,943-59.4% | $4,645-48.1% |