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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 | $88,065 | $86,940+1.3% | $102,434-14.0% | $80,935+8.8% |
| Participation rate | 97.2% | 72.4%+24.8pp | 76.5%+20.7pp | 67.7%+29.6pp |
| Annual return | 12.55% | 18.89%-6.3pp | 29.46%-16.9pp | 35.66%-23.1pp |
| Employer contribution / active EE | $4,184 | $2,370+76.5% | $3,023+38.4% | $2,757+51.8% |
| Participant deferral / active EE | $3,234 | $4,121-21.5% | $5,055-36.0% | $4,299-24.8% |
| Admin fee / account holder | $4,472 | $8,047-44.4% | $9,462-52.7% | $6,924-35.4% |