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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 | $84,974 | $67,602+25.7% | $82,312+3.2% | $70,126+21.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 23.51% | 21.57%+1.9pp | 25.88%-2.4pp | 73.15%-49.6pp |
| Employer contribution / active EE | $2,420 | $1,755+37.9% | $2,428-0.4% | $2,343+3.3% |
| Participant deferral / active EE | $3,367 | $2,987+12.7% | $3,706-9.1% | $3,332+1.1% |
| Admin fee / account holder | $1,215 | $4,512-73.1% | $5,608-78.3% | $4,645-73.9% |