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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 | $107,949 | $59,839+80.4% | $81,988+31.7% | $79,858+35.2% |
| Participation rate | 88.5% | 61.6%+26.8pp | 69.3%+19.2pp | 69.6%+18.8pp |
| Annual return | 13.77% | 17.56%-3.8pp | 41.31%-27.5pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,960 | $1,713+14.4% | $2,498-21.6% | $2,471-20.7% |
| Participant deferral / active EE | $3,571 | $2,695+32.5% | $3,722-4.1% | $3,740-4.5% |
| Admin fee / account holder | $3,924 | $4,287-8.5% | $5,665-30.7% | $5,306-26.0% |