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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 | $88,705 | $74,535+19.0% | $100,712-11.9% | $82,637+7.3% |
| Participation rate | 80.6% | 61.2%+19.5pp | 69.3%+11.4pp | 68.1%+12.6pp |
| Annual return | 17.24% | 18.92%-1.7pp | 33.27%-16.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $1,818 | $1,503+21.0% | $2,313-21.4% | $2,552-28.8% |
| Participant deferral / active EE | $3,740 | $3,074+21.7% | $4,085-8.4% | $4,126-9.3% |
| Admin fee / account holder | $1,512 | $6,576-77.0% | $9,256-83.7% | $7,339-79.4% |