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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 | $91,345 | $72,486+26.0% | $87,103+4.9% | $72,976+25.2% |
| Participation rate | 97.3% | 72.8%+24.5pp | 76.9%+20.4pp | 69.5%+27.8pp |
| Annual return | 16.33% | 24.46%-8.1pp | 28.19%-11.9pp | 81.02%-64.7pp |
| Employer contribution / active EE | $1,547 | $1,894-18.3% | $2,521-38.7% | $2,440-36.6% |
| Participant deferral / active EE | $4,404 | $3,270+34.7% | $4,049+8.8% | $3,608+22.1% |
| Admin fee / account holder | $4,273 | $5,055-15.5% | $7,491-43.0% | $5,124-16.6% |