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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 | $102,466 | $58,627+74.8% | $76,735+33.5% | $82,448+24.3% |
| Participation rate | 75.7% | 63.2%+12.5pp | 69.5%+6.2pp | 68.1%+7.6pp |
| Annual return | 15.61% | 39.10%-23.5pp | 29.77%-14.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,727 | $1,729-0.1% | $2,454-29.6% | $2,551-32.3% |
| Participant deferral / active EE | $4,493 | $3,134+43.4% | $4,088+9.9% | $4,139+8.5% |
| Admin fee / account holder | $5,743 | $5,323+7.9% | $7,189-20.1% | $7,234-20.6% |