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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 | $75,571 | $64,359+17.4% | $90,161-16.2% | $70,126+7.8% |
| Participation rate | 97.5% | 70.4%+27.1pp | 76.9%+20.6pp | 69.5%+28.0pp |
| Annual return | 15.28% | 28.13%-12.9pp | 34.89%-19.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $2,628 | $2,046+28.5% | $3,318-20.8% | $2,343+12.2% |
| Participant deferral / active EE | $4,497 | $4,389+2.5% | $5,287-14.9% | $3,332+35.0% |
| Admin fee / account holder | $1,777 | $3,945-55.0% | $5,943-70.1% | $4,645-61.7% |