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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 | $55,407 | $56,894-2.6% | $84,753-34.6% | $62,881-11.9% |
| Participation rate | 96.3% | 68.5%+27.7pp | 76.6%+19.7pp | 69.3%+26.9pp |
| Annual return | 6.72% | 6.30%+0.4pp | 22.78%-16.1pp | 20.14%-13.4pp |
| Employer contribution / active EE | $4,479 | $2,400+86.6% | $3,574+25.3% | $2,281+96.4% |
| Participant deferral / active EE | $1,855 | $2,709-31.5% | $3,712-50.0% | $3,203-42.1% |
| Admin fee / account holder | $4,658 | $3,581+30.1% | $5,333-12.7% | $4,296+8.4% |