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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 | $77,088 | $72,486+6.3% | $87,103-11.5% | $72,976+5.6% |
| Participation rate | 93.6% | 72.8%+20.8pp | 76.9%+16.7pp | 69.5%+24.1pp |
| Annual return | 20.08% | 24.46%-4.4pp | 28.19%-8.1pp | 81.02%-60.9pp |
| Employer contribution / active EE | $1,064 | $1,894-43.8% | $2,521-57.8% | $2,440-56.4% |
| Participant deferral / active EE | $2,753 | $3,270-15.8% | $4,049-32.0% | $3,608-23.7% |
| Admin fee / account holder | $4,344 | $5,055-14.1% | $7,491-42.0% | $5,124-15.2% |