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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 | $82,847 | $77,523+6.9% | $100,383-17.5% | $80,874+2.4% |
| Participation rate | 92.0% | 77.0%+15.0pp | 81.5%+10.5pp | 67.6%+24.4pp |
| Annual return | 28.84% | 37.21%-8.4pp | 49.26%-20.4pp | 35.62%-6.8pp |
| Employer contribution / active EE | $5,625 | $2,801+100.8% | $3,944+42.6% | $2,756+104.1% |
| Participant deferral / active EE | $8,932 | $6,822+30.9% | $8,086+10.5% | $4,297+107.9% |
| Admin fee / account holder | $2,615 | $5,899-55.7% | $7,900-66.9% | $6,935-62.3% |