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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 | $86,450 | $75,541+14.4% | $152,093-43.2% | $82,637+4.6% |
| Participation rate | 88.9% | 66.5%+22.3pp | 77.8%+11.1pp | 68.1%+20.8pp |
| Annual return | 17.34% | 32.56%-15.2pp | 66.36%-49.0pp | 53.51%-36.2pp |
| Employer contribution / active EE | $4,028 | $2,622+53.6% | $4,175-3.5% | $2,552+57.8% |
| Participant deferral / active EE | $3,560 | $3,206+11.1% | $5,451-34.7% | $4,126-13.7% |
| Admin fee / account holder | $1,502 | $6,405-76.5% | $14,497-89.6% | $7,339-79.5% |