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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 | $71,411 | $64,359+11.0% | $90,161-20.8% | $70,126+1.8% |
| Participation rate | 84.0% | 70.4%+13.6pp | 76.9%+7.1pp | 69.5%+14.5pp |
| Annual return | 18.95% | 28.13%-9.2pp | 34.89%-15.9pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,605 | $2,046-21.5% | $3,318-51.6% | $2,343-31.5% |
| Participant deferral / active EE | $5,437 | $4,389+23.9% | $5,287+2.8% | $3,332+63.2% |
| Admin fee / account holder | $5,250 | $3,945+33.1% | $5,943-11.7% | $4,645+13.0% |