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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 | $76,442 | $99,345-23.1% | $84,753-9.8% | $273,972-72.1% |
| Participation rate | 92.9% | 80.7%+12.2pp | 76.6%+16.3pp | 83.0%+9.8pp |
| Annual return | 6.06% | 22.93%-16.9pp | 22.78%-16.7pp | 41.46%-35.4pp |
| Employer contribution / active EE | $8,646 | $4,214+105.2% | $3,574+141.9% | $4,869+77.6% |
| Participant deferral / active EE | $4,623 | $4,270+8.3% | $3,712+24.5% | $5,287-12.6% |
| Admin fee / account holder | $1,122 | $6,645-83.1% | $5,333-79.0% | $10,133-88.9% |