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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 | $82,684 | $75,720+9.2% | $90,312-8.4% | $86,983-4.9% |
| Participation rate | 83.9% | 66.3%+17.6pp | 72.9%+11.0pp | 69.5%+14.3pp |
| Annual return | 16.49% | 18.55%-2.1pp | 18.90%-2.4pp | 25.83%-9.3pp |
| Employer contribution / active EE | $3,129 | $1,945+60.8% | $2,243+39.5% | $2,584+21.1% |
| Participant deferral / active EE | $8,475 | $3,001+182.5% | $3,749+126.1% | $4,194+102.1% |
| Admin fee / account holder | $2,657 | $6,201-57.1% | $8,248-67.8% | $7,856-66.2% |