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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 | $99,123 | $72,273+37.2% | $101,275-2.1% | $79,856+24.1% |
| Participation rate | 88.3% | 68.5%+19.9pp | 75.8%+12.5pp | 69.6%+18.7pp |
| Annual return | 16.11% | 22.30%-6.2pp | 46.48%-30.4pp | 31.71%-15.6pp |
| Employer contribution / active EE | $1,808 | $2,691-32.8% | $3,660-50.6% | $2,471-26.8% |
| Participant deferral / active EE | $4,097 | $3,282+24.8% | $4,371-6.3% | $3,741+9.5% |
| Admin fee / account holder | $4,239 | $4,401-3.7% | $5,948-28.7% | $5,306-20.1% |