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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 | $61,664 | $55,713+10.7% | $75,901-18.8% | $72,975-15.5% |
| Participation rate | 80.4% | 61.1%+19.3pp | 69.3%+11.2pp | 69.5%+10.9pp |
| Annual return | 22.60% | 27.60%-5.0pp | 30.76%-8.2pp | 81.01%-58.4pp |
| Employer contribution / active EE | $1,898 | $1,687+12.5% | $2,501-24.1% | $2,440-22.2% |
| Participant deferral / active EE | $3,756 | $2,634+42.6% | $3,603+4.2% | $3,608+4.1% |
| Admin fee / account holder | $916 | $3,980-77.0% | $5,420-83.1% | $5,124-82.1% |