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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 | $58,248 | $43,075+35.2% | $74,577-21.9% | $62,881-7.4% |
| Participation rate | 96.8% | 58.1%+38.8pp | 68.1%+28.7pp | 69.3%+27.5pp |
| Annual return | 9.12% | 17.50%-8.4pp | 20.47%-11.3pp | 20.14%-11.0pp |
| Employer contribution / active EE | $2,512 | $1,498+67.7% | $2,525-0.5% | $2,281+10.1% |
| Participant deferral / active EE | $2,109 | $2,389-11.7% | $3,458-39.0% | $3,203-34.1% |
| Admin fee / account holder | $4,101 | $2,840+44.4% | $4,138-0.9% | $4,296-4.5% |