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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 | $88,241 | $56,894+55.1% | $84,753+4.1% | $62,881+40.3% |
| Participation rate | 85.7% | 68.5%+17.2pp | 76.6%+9.1pp | 69.3%+16.4pp |
| Annual return | 7.78% | 6.30%+1.5pp | 22.78%-15.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,565 | $2,400-34.8% | $3,574-56.2% | $2,281-31.4% |
| Participant deferral / active EE | $3,604 | $2,709+33.0% | $3,712-2.9% | $3,203+12.5% |
| Admin fee / account holder | $3,225 | $3,581-9.9% | $5,333-39.5% | $4,296-24.9% |