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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 | $83,625 | $58,493+43.0% | $84,021-0.5% | $72,975+14.6% |
| Participation rate | 87.3% | 61.2%+26.0pp | 69.0%+18.3pp | 69.5%+17.8pp |
| Annual return | 18.21% | 28.93%-10.7pp | 71.32%-53.1pp | 81.01%-62.8pp |
| Employer contribution / active EE | $1,909 | $1,163+64.1% | $1,984-3.8% | $2,440-21.8% |
| Participant deferral / active EE | $3,167 | $2,394+32.3% | $3,239-2.2% | $3,608-12.2% |
| Admin fee / account holder | $2,062 | $4,569-54.9% | $6,102-66.2% | $5,124-59.8% |